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Insurance Coverage

While there is no such insurance coverage technically termed "full coverage" people commonly use this phrase to mean having both the state required liability insurance coverage and physical damage coverage of collision and comprehensive on a vehicle alone with towing and rental.

Here is a breakdown of each car insurance coverage type to help you understand more about what each type of coverage protects.



Collision coverage covers damage to your vehicle when your vehicle hits, or is hit by, another vehicle, or other object. This type of physical damage coverage pays to fix your vehicle, less the deductible you choose. For older cars, consider dropping this coverage, since coverage is normally limited to the cash value of your car. 



Comprehensive coverage covers your vehicle, and sometimes other vehicles you may be driving, for losses resulting from incidents other than collision. For example, comprehensive insurance covers damage to your car if it is stolen; or damaged by flood, fire, or animals. This type of coverage also comes with a deductible



This covers renting a car if your car is not drivable or while your car is being repaired because of a covered accident.



Also, referred to as Tow Club, Emergency Road Service, Emergency Roadside Service

Coverage is only available if you purchase Comprehensive and/or Collision Coverage.

Coverage can include towing, tire changing, gas, oil, water delivery, battery and lockout service.


UNINSURED MOTORIST can be for either bodily injury or property damage. Uninsured motorist bodily injury (UMBI) covers the insured, members of their household and passengers for injuries caused by an at-fault uninsured motorist. A UMBI policy normally covers the medical expenses of those injured up to the limits of the policy.

Uninsured motorist property damage (UMPD) covers your automobile when property damage is sustained by an insured and the other at-fault driver does not possess insurance. If you do not have collision coverage on your vehicle, UMPD will pay up to a certain amount for repairs to the policyholder's vehicle. If you have collision coverage then normally UMPD only pays your collision deductible (in certain states).  This coverage DOES NOT replace Collision coverage.

Stacking uninsured / underinsured motorist policies is an option that allows you to increase the limits you select for your UI/UIM bodily injury coverage (contact your agent for details).



Covers medical expenses to you and your passengers injured in an accident. There may also be coverage if as a pedestrian a vehicle injures you. This coverage applies, regardless as to who is at fault. Medical Payments may also cover policyholders and their family members when they are injured while riding in someone else's car or when a car hits them while on foot or bicycling. Coverage is limited to the terms and conditions contained in the policy. If you and your regular passengers already have health insurance that covers similar expenses, medical payments coverage may be unnecessary

Questions to ask your NIS agent

    Your Independent Agent is an advocate for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:

  • How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
  • What is the insurance company's level of service and ability to pay claims?
  • What discounts are available? (Ask about good driver, multiple policy and student discounts.)
  • What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)

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Auto Insurance Customer Service Options

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