Liability - The insurance company will pay if you injure someone or damage someone’s property in an accident. When you buy liability, you choose a limit – the maximum amount the insurer will pay for a liability claim. Alabama requires your insurance coverage to have a minimum liability coverage limit of $25,000 per person for bodily injury, $50,000 per occurrence for bodily injury, and $25,000 for property damage – but we recommend much more.
Collision - The insurer pays to repair damage to your car when you hit, or are hit by, another vehicle or object, regardless of who is at fault.
Comprehensive - The insurer pays to repair damage to
your car that’s caused by something other than a collision,
such as fire, theft, vandalism, hail or flooding. The insurer will also pay for damage to your vehicle caused by hitting an animal.
Deductible - When you buy collision and comprehensive, you choose a deductible – typically $250 or $500. This is the amount you pay to the repair shop. The insurer pays the rest.
Uninsured Motorist Coverage - The insured pays for your medical expenses, lost wages, and other damages when you’re hurt in an accident caused by a driver who has insufficient or no insurance. Its estimated that up to 25% of drivers on the road are either at state minimums for liability coverage or without any coverage at all.
Medical Payments - The insurer pays for the cost of reasonable and necessary medical care you get as a result of an accident, regardless of who’s at fault
Rental Car Coverage - The insurer pays for your rental car while your car is being repaired as result of a comprehensive or collision claim.
Roadside assistance - The insurer pays for repairs or towing when your vehicle breaks down due to mechanical failure or electrical issues, a dead battery, or a flat tire; you’re locked out of your car; your vehicle runs out of gas, or your vehicle gets stuck in the snow or mud.
Other Additional Coverages that some carriers offer include:
Loan Reimbursement – if the claim amount is lower than the actual loan amount on the car this endorsement helps to pay off the gap.
Glass Deductible Buyback – Whether it’s a chip or a crack across your windshield this will pay to replace the glass on your auto without worrying about the deductible.
At Infinity we know everyone’s needs are different so we will work with our insureds to make sure they have the coverages that best meet their needs.
Note: Different States require and offer different levels of coverage.