We’re the Auto Insurance Specialists because we shop dozens of auto insurance partners to find you the best combination of price and coverage. So you never have to sacrifice one for the other. After you complete our simple online quote form, you’ll get a BUI Instant Quote. This quote will be a range of our auto insurance partners’ rates. If you’re ready to start shopping our partners’ rates online, start your BUI Instant Quote now.
Understanding Auto Insurance Coverages
We know insurance can be confusing. Here are standard and optional coverages typically found in an auto insurance policy (not all coverages available in all states):
Bodily Injury Liability
Physical injury to the person of a Third Party. This includes sickness, disease, pain and suffering, emotional distress, loss of income and even death.
Property Damage Liability
Damage or destruction including loss of use of a Third Party’s property. Reduction in value is the measure of Property Damage.
Collision coverage is:(a) Impact of an automobile with another object or person outside the vehicle or the upset (overturning) of such vehicle; (b) That coverage which pays for damage to our insured’s vehicle, in the event of the above. This coverage is usually subject to a deductible. Comprehensive coverage pays for direct and accidental damage to the insured’s automobile, other than that caused by Collision. All losses not specifically excluded are covered and such coverage usually has a deductible.
Uninsured and Underinsured Motorist
That coverage which, in the event, the insured is injured in an accident which is the fault of an Uninsured Motorist, covers the Bodily Injury expense of the Named Insured, Relatives and passengers in his/her auto. The coverage is generally written with a per person and per occurrence limit.
PIP is a coverage in which the auto insurance company pays, within the specified limits, the medical, hospital and funeral expenses of the insured person, people in the insured vehicle and pedestrians struck by the insured vehicle. PIP is the basic coverage implemented in No-Fault automobile insurance states.