 Liability/Bodily Injury/Property Damage Pays for medical, death and hospital expenses including cost of repairs to other party's vehicle or property. Covers insured's legal liability for bodily injury and property damage arising from ownership or use of the insured vehicle. This coverage is required by California Deaprtment of Motor Vehicles. Uninsured/ Underinsured Motorist Bodily Injury Provides coverage for a policyholder involved in a collision with a driver who does not have liability insurance or who does not have sufficient liability limits to pay for damages. This covers the event of the other party's legal liability to you for bodily injury arising out of their negligent operation of their uninsured vehicle. This type of coverage is not required by law, but every automobile insurance company must offer uninsured motorist coverage. They will also require a signed waiver if the coverage is rejected. Uninsured Motorist Property Damage This type of coverage pays to repair your vehicle not covered by collision insurance, subject to a limit of $3500.00. UMPD coverage pays for the property damage to your car when their is a collision with an identified uninsured driver. The other party's legal liability to you for property damage arising from the negligent operation of their uninsured vehicle. This type of coverage is not required by law, but a signed waiver must be retained if the coverage is rejected. Medical Payments Medical Payments allows coverage of medical expenses incurred without question of legal liability. This coverage covers all occupants of your vehicle at the time of the accident and is not required by law. Comprehensive Coverage This includes the cost of repairs or the fair market value of the vehicle. The insured vehicle is subject to the cost of the deductable and is required by lenders and leasing companies. Collision Coverage Collision Coverage includes the cost of repairs or the fair market value of the vehicle. The insured vehicle is subject to the cost of the deductable and is required by lenders and leasing companies. Rental Reimbursement/ Daily Limit and number of days subject to policy terms This coverage allows the cost of a rental car while your vehicle is being repaired under coverage afforded by the policy. This covers only the insured and is not required by law. Towing Towing coverage covers reasonable and necessary towing and labor subject to policy terms. Towing will cover the insured only and is not required by law. | 
