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Q

Please explain the following four types of coverage: 1) medical payment, 2) uninsured & underinsured motorist, 3) uninsured motorist property, 4) comprehensive.


A

1) Medical payment coverage typically covers the treatment of the driver, covered passengers and covered family members when they are injured in a covered accident while in the insured's vehicle. This coverage may also cover the policyholders and their family members when in others' vehicles or are a pedestrian and hit by a car. The medical payments normally have a limit which you choose when buying your policy.

2) Uninsured and Underinsured motorist bodily injury coverage will generally protect you, covered passengers and covered family members for bodily injuries attributable to a covered accident caused by a driver without insurance or without sufficient insurance.

3) Uninsured motorist coverage for property damage will typically pay for covered damage to the policyholder's car caused by a motorist who is without auto insurance. There might be other protections provided by this type of insurance coverage but this varies from state to state.

4) Comprehensive coverage normally covers damage to the policyholder's insured vehicle not caused by a collision. This typically includes damage by falling objects, fire, theft, vandalism or an animal.

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