Auto Insurance

Auto Insurance protects you financially against any physical damage and/or bodily injury resulting out of a traffic accident and against any liability that could arise therefrom.

Auto Insurance may also offer comprehensive financial protection against damages sustained by your car from occurrences other than traffic accidents and even theft.

The basic coverages under Auto Insurance are:

  • Bodily Injury Liability – Covers the liability arising out of bodily injury caused to someone else by your car.
  • Property Damage Liability – Covers the liability arising out of damages caused to someone else’s property by your car
  • Medical Payments or Personal Injury Protection – Covers the treatment expenses in case of injury to the person driving or other passengers in your car.
  • Collision Coverage – Covers the costs incurred in repairing the damages caused to your car arising out of a collision.
  • Comprehensive Coverage – Covers the costs incurred in repairing the damages caused to your car out of incidents other than a collision with another car (such as damages from fire, explosions, earthquake, floods and riots) and theft.
  • Uninsured & Underinsured Motorist Insurance – Covers the costs resulting from an accident involving a hit-and-run driver or an uninsured driver. Underinsured motorist coverage comes pays when an at-fault driver has insufficient insurance (underinsured) to pay for your loss.