everyday your car takes you from point a topoint b and all kinds of places in between. you're headed to school, to pick up your kids,work, or the store for groceries. or maybe you're planning to visit friends,take a weekend camping trip, or hit the road for the holidays to be withloved ones. you're on the road following your dreams. and if something happens along the way american family may be able to help you withautomobile insurance coverage. why auto insurance?
well, accidents happen- even to the best ofdrivers. if you have an accident auto insurance canhelp cover the costs to repair your vehicle or medical expenses. insurance may also protect you financiallyshould you cause an accident, property damage, or injuries to other peopleinvolved in the accident. now lets take a look at the main types ofautomobile insurance coverage provided by american family insurance. coverage includes bodily injury liabilityand property damage liability. bodily injury covers the drivers and passengersof the other vehicle
if you are at fault in an auto accident. property coverage liability covers damageto someone else's property if you were at fault in an auto accident. usually, this means damage to someone else'scar. but it can also include damage to other typesof property, such as mailboxes and fences. most states require liability coverage. check with an american family insurance agentto see if it's required in your state. either way, the coverage provides additionalfinancial protection. now lets take a look at some more types ofautomobile insurance coverage.
uninsured motorist coverage protects you ifyou are injured in an accident and the other driver is uninsured.it alsoprotects you if you are a victim of a hit and run driver, or ifyou were struck by an uninsured vehicle as a pedestrian. if the other driver does have insurance, damagemay be more than what the insurance covers. in this case, your underinsured motorist protectionmay help pay for the balance. some states require underinsured and uninsuredmotorist protection. check with an american family insurance agent.
medical includes medical expense and personalinjury protection. the types of coverage vary depending on thestate where you live. medical expense helps pay for medical careprovided to you and your passengers as a result of a coveredauto accident regardless of which driver is at fault. personal injury protection helps reimburseyou and your passengers for lost income, child care expenses, medicaland other expenses if you're hurt in a covered accident two more main types of coverage include collisionand comprehensive.
collision covers accidental damages causedby collision or rollovers regardless of who is at fault. collision coverage is subject to the deductible. a deductible is a predetermined dollar amountfor certain coverages such as collision and comprehensive, thatyou, our customer, agrees to be responsible for before the insurancecompany begins to pay. the amount is determined by you and your agent when you apply for your policy. comprehensive covers damage or loss to yourvehicle
caused by anything other than a collisionor rollover- such as a fire, theft, vandalism, hail, ora flood. comprehensive also covers damage from hittingan animal, such as a bird or deer. and if your car is stolen comprehensive maycover expenses related to it's return to you. for an additional charge, you can extend thecoverage to include custom equipment- such as sound systems and certain electronicdevices. comprehensive is also subject to a deductibleamount you choose.
ok, we've covered the main types of automobileinsurance coverage. however, there's more to consider, includingways to possibly save money through our discounts. contact an american family insurance agentto see which discounts may apply to you. we can also provide information about additionalprotection provided by an umbrella policy, recreational vehiclesprotection, our repair program, windshield repair, emergencyroadside service, auto rental reimbursement, auto lease or loanprotection,
accidental death and dismemberment and theteen safe driver program. so, are you ready to get started? want to find out more about our auto insurancecoverage and how american family and our agents can help protect your dreams? visit amfam.com or call 1-800-my amfam, 1-800-692-6326to find an agent. american family insurance is your americandream insurance. your dream is out there. go get it. we'llprotect it.
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