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Other Kinds of Coverage
Other Kinds of Coverage
These are other common types of coverage. You may not need all of them.
Uninsured Motorist Coverage (UMC) /Underinsured Motorist Coverage (UIM)
This covers you if you are in an accident with a driver who does not have any liability insurance, or is underinsured.
 
The insurance company must offer you this coverage. If you choose not to buy it, you must sign a form, called a waiver. The form says you were offered the coverage and turned it down.
Uninsured motorist bodily injury (UMBI): This pays for injuries to you and any person in your car when there is an accident with an uninsured driver who is at fault. The limits are the same as your liability coverage limits.
 
Underinsured motorist (UIM):This covers limited costs for bodily injury if you are in an accident with a driver who does not have enough insurance to pay for damages.
Uninsured motorist property damage (UMPD): This pays for the damage to your car from an accident with an uninsured driver who is at fault. The limit is $3,500. This only pays if the uninsured driver is identified. You may not need it if you have collision coverage.
 
Medical Payments Coverage
This covers the cost of medical expenses if you or your passengers are injured. This coverage can pay for immediate medical care, no matter who is at fault.
The minimum limit you can buy is $1,000 for each person injured. You can ask for higher limits of coverage.
 
Physical Damage Coverage
Collision covers damage to your car caused by physical contact with another vehicle or an object, such as a deer, tree, rock, guardrail, building, or person.
Comprehensive covers damage to your car caused by something other than a collision. For example, comprehensive can cover damage from fire, theft, vandalism, windstorm, flood, falling objects, etc. It does not cover mechanical breakdown, normal wear and tear, or maintenance.
 
Collision and Comprehensive coverage provide compensation based on the market value of your car. If the value is low, you may not choose these.
Additional Kinds of Coverage (Endorsements and Riders)
You can buy insurance for extra equipment, such as stereos, CD players, custom wheels, navigation systems, and cell phones that are permanently installed.
You can buy insurance for towing and road service.
You can buy rental reimbursement insurance for renting a car when your car is being repaired after a covered accident.
 
If you have a car loan:
If you have a loan, you usually need to insure your car. If you do not buy insurance, the loan company may buy it and charge you. It usually costs less if you get your own Collision and Comprehensive coverage.
 
Auto insurance does not pay off your loan if your car is damaged and its market value is less than what you owe. Auto dealers and lenders may offer Guaranteed Auto Protection (GAP) insurance for this purpose.
We Are Located at
1026 Mchenry Ave Ste 4 Modesto Ca, 95350