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Auto Insurance
Insurance is
very confusing, and if you don't understand what the different types
of coverage mean, you could be leaving yourself financially
exposed. So choosing the right coverage is essential. Understand
your coverage's and their benefits.
 Alpha Discount Insurance
offers additional discounts if your
Home and Auto Insurance
policy is with us too!
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Bodily Injury and
Liability |
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This coverage protects you from claims made against you which
you are obligated to pay if you cause bodily injury to someone
in a crash. This also covers your defense costs. Bodily Injury
Liability limits usually specify 2 dollar amounts, the first
amount limiting payments to a single person per accident and the
second amount puts a cap on the total amount of payment for all
persons injured per accident.
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Collision |
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Collision coverage pays for the damage to your vehicle by
collision with another vehicle or fixed objects like trees,
signs, buildings, etc. This coverage is what gets invoked when
the accident is your fault.
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Comprehensive
Coverage |
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This is your "fire and theft" coverage, and covers damage to your
car for anything other than a wreck, like tornados, floods,
vandalism, theft, hitting a deer, etc.
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Car Rental |
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If
your vehicle is in the shop for more than a day for repairs
resulting from an insurance claim, Many policies with this
coverage will pay $20 or more per day for a maximum of 30 days,
or some maximum value to rent a car while you wait for repairs.
Higher limits are available. Note that this is an optional
coverage.
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Medical Coverage |
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Covers medical expenses from your crash injuries and covered
persons in your car, no matter who was at fault.
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Personal
Injury Protection (PIP) |
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PIP covers medical and rehab, work
loss, funerals, and other expenses incurred by you, your family,
passengers in your vehicle, and pedestrians injured by your
vehicle. It pays for damages regardless of who is at fault in
the accident.
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Liability Coverage |
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Similar to Bodily Injury coverage. Liability covers only the
damage caused by you to someone's property, car, fence, lawn,
telephone pole, house, etc. When you are at fault in a wreck,
this coverage is invoked when the other driver makes a claim
against your insurance to repair their car.
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Towing |
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If your car breaks down, this coverage will pay for a tow truck
or roadside assistance to get your car going again. This
usually pays about $50-$75. (Optional Coverage.) |
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Underinsured or
Uninsured |
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EVERYONE should have
this coverage, because it protects us from drivers who are not
insured. Underinsured Motorist pays for your injuries up
to the policy limit when the other driver either has no
insurance, or their coverage can't pay for your injuries or
property damage. This coverage usually includes hit and run
drivers as well. |
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