1. Auto InsuranceCoverages What coverages are in my policy? What does car insurance pay for?

2. Different coverages • Liability • Collision/comprehensive • Medpay • Uninsured Coverage

3. Dec. Page tells you what coverages You have

4. Liability coverage • Covers only at-fault driver for injury to another person • Covers • Medical costs • Income loss • Property damage • Pain and suffering • Pays at final resolution • Settlement • Trial verdict

5. Collision/comprehensive • Covers property damage of car owner • Liability is not an issue • Coverage may be limited to value of car • May need separate Gap Insurance

6. Medpay coverage • Pays for medical bills • For car occupants involved in crash • May be limited • 1,000 • 5,000

7. Uninsured Motorist Coverage • Insures you if at-fault drive was uninsured • Medical costs • Income loss • Property damage • Pain and Suffering • Add-on - What you want • Reduced- Limits coverage