Here--in English--are what the various insurance coverages mean. If you'd prefer the traditional incomprehensible blather, there are any number of other insurance sites from which to choose. Of course, there are -by- nuances, but this will give you the gist.
The way we see it, we cover three things. You. Your stuff. And your nether region (if you should happen to get sued). The handy chart below should help clarify.
Whose
Fault Whose
Stuff Coverage
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Yours Yours Collision Coverage
This pays for damages to your vehicle when you hit something--another car, a pothole the size of Wyoming, a road sign that suddenly leapt into the middle of the road.
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Nobody Yours Comprehensive Coverage
This pays to fix your car or truck when it's damaged by something other than a collison. This coverage runs the gamut: theft, vandalism, most of your archaic plagues such as fire, flood, hail, etc.
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Yours Theirs Property Damage Liability
This covers any damage your vehicle may cause to somebody else's car, house, fishery, etc.
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Yours Theirs Bodily Injury Liability
Say you hurt somebody while you're driving. This coverage pays for claims they might make against you, plus the cost of your legal defense. You'll see two numbers on the quote--the first shows how much will be paid per person. The second is the total maximum we'll pay for a single accident.
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Yours/
Theirs Yours Medical Payments
This covers medical expenses you or any of your passengers require as the result of an accident.
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Yours/
Theirs Yours Towing And Labor Coverage
If you have Comprehensive Coverage, you may purchase additional coverage to pay for any necessary towing and labor expense.
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Yours/
Theirs Yours Extended Transportation Expenses
If you have Comprehensive Coverage, you can also purchase optional coverage to pay for a rental car while your vehicle is being repaired or until it can be replaced. We'll pay up to a certain amount per day, depending on the predetermined limit. (Hey, we have to draw the line somewhere.)
For your convenience, we may even arrange to drop the rental off at your home as soon (or wherever you want it) when you call in to file a claim.
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Theirs Yours Uninsured/Underinsured Motorist Coverage
Laws or no laws, some people still get away without carrying auto insurance--or without carrying enough. If one of these folks causes an accident, you'll still be covered under your own policy. This also covers you if you're the victim of a hit-and-run.
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