There are many different types of insurance policy coverages available to meet your auto insurance policy needs. Some are required and some are optionally available. Here are brief explanations of the available coverages:
Liability
Washington state requires responsibility. This includes physical damage and residence harm that you cause to others while using your car.
Personal damage protection
This includes a restricted quantity of healthcare and medical center costs, income extension, memorial costs, and lack of services. Protection boundaries are defined in the plan.
Medical payments
This includes healthcare and memorial costs (not all organizations provide this coverage).
Uninsured/underinsured car owner physical injury
This includes accidents an without being insured plan or under-insured car owner causes to an covered person.
Uninsured/underinsured car owner residence damage
This includes residence harm an without being insured plan or under-insured car owner causes to your covered automobile.
Collision coverage
This includes harm to your car that is caused by a accident.
Comprehensive coverage (other than collision)
This includes harm to your car -- except by accident. For example, this includes your car if a shrub drops on it or someone vandalizes it.
Emergency road service
This includes hauling when your car smashes down.
Car rental expense
If you have a claim that is covered under your automatic plan, this coverage will pay to rent a car. Be sure to examine your cover any restrictions.
Death, dismemberment and lack of sight
This will pay for loss of life and certain accidents to people named in your plan due to an automobile accident.
GAP coverage
In the event your automobile is a total reduction, this will pay the difference between the market value of your automatic and the quantity you still owe the lending company.
Custom devices coverage
This includes direct and random reduction to customized furniture or devices.
Liability
Washington state requires responsibility. This includes physical damage and residence harm that you cause to others while using your car.
Personal damage protection
This includes a restricted quantity of healthcare and medical center costs, income extension, memorial costs, and lack of services. Protection boundaries are defined in the plan.
Medical payments
This includes healthcare and memorial costs (not all organizations provide this coverage).
Uninsured/underinsured car owner physical injury
This includes accidents an without being insured plan or under-insured car owner causes to an covered person.
Uninsured/underinsured car owner residence damage
This includes residence harm an without being insured plan or under-insured car owner causes to your covered automobile.
Collision coverage
This includes harm to your car that is caused by a accident.
Comprehensive coverage (other than collision)
This includes harm to your car -- except by accident. For example, this includes your car if a shrub drops on it or someone vandalizes it.
Emergency road service
This includes hauling when your car smashes down.
Car rental expense
If you have a claim that is covered under your automatic plan, this coverage will pay to rent a car. Be sure to examine your cover any restrictions.
Death, dismemberment and lack of sight
This will pay for loss of life and certain accidents to people named in your plan due to an automobile accident.
GAP coverage
In the event your automobile is a total reduction, this will pay the difference between the market value of your automatic and the quantity you still owe the lending company.
Custom devices coverage
This includes direct and random reduction to customized furniture or devices.
- Many organizations also provide other recommendations (additional coverage). Ask your insurance policy broker or broker about:
- Trailer/camper body coverage
- Snowmobile coverage
- Limited South america coverage
- Joint possession coverage
- Auto loan/lease coverage
- Remember to examine your conditions page to confirm the protection you purchased.