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Types of Coverage
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Pays For
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Covers
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Required
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Liability Bodily Injury Property Damage
PA-Auto-Car-Insurance
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Your responsibility to pay for medical, death and hospital expenses including
cost of repairs to other party's vehicle or property.
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The insured's legal liability for bodily injury and property damage arising
from ownership or use of the insured vehicle
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Yes
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Uninsured/Underinsured Motorist Bodily Injury
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Cost of repairs to your vehicle not covered by collision insurance, subject
to a limit of $3,500. UMPD coverage pays for the property damage to your car
when there is a collision with an identified uninsured driver.
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The other party's legal liability to you for bodily injury arising from the
negligent operation of their uninsured vehicle
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No, but every automobile insurance company must offer uninsured motorist
coverage, and they are required to have a signed waiver on file if the coverage
is rejected.
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Uninsured Motorist
Property Damage
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Medical expense incurred without question of legal liability.
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The other party's legal liability for property damage arising from the
negligent operation of their uninsured vehicle
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No, but every automobile insurance company must offer uninsured motorist
coverage, and they are required to have a signed waiver on file if the coverage
is rejected.
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Medical Payments
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Medical expense incurred without question of legal liability
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All the occupants of your vehicle
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No
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Comprehensive
Physical Damage other than Collision
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Cost of repairs or the fair market value of the vehicle.
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The insured vehicle subject to the deductible
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May be required by lenders and leasing companies
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Collision
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Cost of repairs or the fair market value of the vehicle.
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The insured vehicle subject to the deductible
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Yes, by lenders and leasing companies
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Rental Reimbursement
Daily limit and number of days subject to policy terms
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Cost of a rental car while your vehicle is being repaired under coverage
afforded by the policy
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Named Insured
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No
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Towing
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Reasonable and necessary towing and labor cost subject to policy
terms
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Named Insured
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No
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