Auto Coverage Information
From Blake, Hall & Sprague / Soule Allen Insurance




Liability
Bodily Injury Liability covers damages for bodily injury as a result of an accident for which you are at fault. Claim and legal defense costs are also covered.

Property Damage Liability covers damages to another person's property as a result of an accident for which you are at fault, as well as claim and legal defense costs.

The liability limit can be written as a split limit in which the limits of insurance for bodily injury and property damage are stated separately:

Bodily Injury Property Damage
$100,000 per person / $300,000 per accident / $100,000 per occurrence

Or the liability limit can be written as a combined single limit (CSL) that applies to both bodily injury and property damage:

  $300,000 CSL (Combined Single Limit)



Uninsured/Underinsured Motorist
Uninsured Motorist Coverage (UM) pays for bodily injury to an insured who is injured by an at-fault uninsured, underinsured, or hit-and-run motorist. We recommend that your UM/UIM limits match your liability limits, since you should provide at least as much protection for yourself as you would for anyone else you might injure.


Medical Payments
Medical Payments coverage reimburses medical expenses for you or anyone else injured in your car, no matter who was at fault. It also covers such expenses if you or a family member are struck by a vehicle while a pedestrian. Even if you have health insurance, Medical Payments coverage is good to have, because no deductible or co-payment percentage applies.


Physical Damage Coverage
Collision Coverage pays for repair or replacement of your car up to its actual cash value (minus the deductible) when your car is damaged in a collision with another car or object. Collision losses are paid regardless of fault.

Comprehensive (Other than Collision) Coverage pays for the repair or replacement of your car, up to its actual cash value (minus the deductible) due to hazards such as theft, fire, vandalism and glass breakage.


Rental Reimbursement
Pays for rental of a car, up to the stated limit in our policy, while your car is being repaired due to an accident or other covered loss. The coverage carries a "per day" limit and an aggregate limit. Rental Reimbursement is only available to vehicles that have Comprehensive Coverage.


Towing & Labor Coverage
Reimburses you for towing and labor charges, up to the limit stated in your policy. Towing coverage is only available on vehicles that have Comprehensive Coverage.


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