2. Comprehensive - This coverage pays for damages your car sustains that are not related to a collision.
Collision - If your car is damaged in an accident, collision will pay to repair or replace your vehicle.
Collision coverage is optional in this state. This coverage cannot be purchased without bodily injury coverage. Also, if your car is financed or leased, we require you to buy this coverage since most lenders or leasing agents require you to carry collision coverage.
What is deductible:
A deductible is the portion of damages you're responsible for paying if you file a claim. Choose the number closest to your most recent collision and comprehensive deductibles.
If you don't remember what that deductible amount is, select an amount you can afford. While a higher deductible can substantially lower the cost of insurance premiums, you should balance this savings against your ability to absorb a larger out-of-pocket expense.
3. Uninsured Motorist Coverage;
Uninsured Motorist Bodily Injury Limits is optional in this state. The limits you select for this coverage cannot exceed your bodily injury limits. Also, if you choose to have this coverage apply to multiple cars, you must select the same limit for each car. If you are injured in an accident with an uninsured driver, this coverage will pay for your injuries. In some states, the coverage will also pay for the damage to your vehicle. Individuals without health insurance may benefit from this coverage, because if the limits chosen are inadequate, you'll be responsible for paying the additional amount
4. Towing and Labor coverage
How much Towing and Labor protection does this coverage provide?
The coverage limits you see in your quote refer to the maximum amount that will be paid per incident, per term, respectively. If there are two amounts listed, 75/450 for example, the first amount ($75) represents the amount covered per incident and the second amount ($450) is the amount that will be covered per the policy term (6 months).
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