Medical coverage pays the initial medical bills for you, members of your family and passengers in your car. In many accidents the cost of medical attention quickly exceeds the amount of medical coverage. Non-family passengers can claim compensation from your liability coverage, but family members can not. For this reason, it is wise to obtain as much medical coverage on your automobile policy as possible. It is relatively inexpensive and can minimize your out-of-pocket medical expenses associated with an automobile accident.

TIP: Medical coverage is relatively inexpensive, you should consider raising your limits.

Uninsured Motorist covers your injuries caused by another party who is uninsured or by a hit-and-run driver who leaves the scene of the accident. Uninsured motorist coverage is required in the State of Connecticut.

Underinsured Motorist covers your injuries caused by another party when your damages exceed the other party's liability limits. This coverage applies after the other party's liability limit is exhausted.

Comprehensive coverage pays for damage to the car caused by non-accident events such as theft, vandalism, acts of God, striking an animal, storms, etc.

Collision coverage pays for the damages to your car resulting from an auto accident. Collision pays regardless of responsibility. If another party is responsible for the damages to your car, the insurance carrier will pursue the other party on your behalf. Your insurance company will collect payment for the repairs from the other party's insurance company or the party directly.

NOTE: The maximum amount of collision protection is usually limited by the depreciated value of your car. This is not the same as the "replacement cost."

This coverage provides for the difference between the amount paid under collision or comprehensive coverage to cover a total loss and the amount to pay off the lease or finance contract balance on the vehicle.

This can include emergency towing or repairs while on the road and rental car reimbursement when your car is being repaired from a covered loss. Another coverage that is often overlooked is FULL GLASS coverage. Glass coverage covers the glass in your car, including windshields cracked by harsh winter roads.

Your Homeowner's Liability and Auto Liability protection should be supplemented by an Umbrella Liability policy. Umbrella Liability adds a million dollar limit of insurance for serious injuries or property damages you cause to others. Higher limits are available.