personal injury protection and Liability coverage

Personal injury protection (PIP) coverage

Same as medical payments coverage, plus 80 percent of lost income and the cost of hiring a caregiver for an injured person.

Covers: you, your family members, and passengers in your car, regardless of who caused the accident. An insurance company must offer you $2,500 in PIP, but you can buy more. If you don’t want PIP, you must reject it in writing

Liability Coverage

Uninsured/underinsured motorist (UM/UIM) coverage:

Pays: your expenses from an accident caused by an uninsured motorist or if the other driver did not have enough insurance to cover your bills, up to your policy’s dollar limits. Also pays for accidents caused by a hit and run driver if you reported the accident promptly to the police.

1. Bodily injury UM/UIM pays without deductibles for medical bills, lost wages, pain and suffering, disfigurement and permanent or partial disability.
2. Property damage UM/UIM pays for auto repairs, a rental car and damage to items carried in your car. There is an automatic $250 deductible. This means you must pay up to $250 of the repairs yourself.

Covers: you, your family members, passengers in your car, and others driving your car with your permission. Insurers must offer UM/UIM coverage, but you can reject it in writing.

Collision (DAMAGE TO YOUR CAR) coverage:

Pays: The cost of repairing or replacing your car after an accident, regardless of who was driving or who was at fault. Payment is limited to your car’s actual cash value, minus your deductible. Actual cash value is the market value of a car like your before it was damaged.

Comprehensive (Physical Damage other than Collision) coverage

Pays: The cost of replacing or repairing your car if it is stolen or damaged by fire, vandalism, hail, or another cause other than collision. Comprehensive coverage also pays for a rental car or other temporary transportation if your car is stolen. Your policy wont pay for an auto theft unless you report it to the police. Payment is limited to your car’s actual cash value, minus your deductible.

Towing and labor coverage

Pays: towing charges when your car can’t be driven. Also pays labor charges, such as changing a tire, at the place where your car broke down.

Rental reimbursement coverage

Pays: A set daily amount for a rental car if your car is stolen or is being repaired because of damage covered by your policy.


	Bluebonnet Insurance Group 9110 IH 10 West SanAntonioTx Tel (210) 614-1171 Fax:(210) 614-1173