COMPREHENSIVE COVERAGE
Comprehensive coverage covers damage to your vehicle that is not caused by a collision.
Such damage may include:
- contact with a bird or animal
- falling or flying objects
- theft or larceny
- fire
- windstorm
- hail, water or flood
- malicious mischief or vandalism
- riot or civil commotion
- breakage of glass
- explosion or earthquake
Glass breakage may be covered under Comprehensive, even if caused by a collision or upset.
If the policyholder has a "chip" in the windshield and elects to have it repaired instead
of replaced, the deductible may be waived.
COLLISION COVERAGE (AUTO)
Collision coverage provides protection for damage caused by collision with:
- another vehicle
- an object (such as a telephone pole, fence, or building)
- a parked car.
Broken glass is usually covered under this section of the policy if there is no comprehensive
coverage in force.
TOWING AND LABOR
Towing and labor coverage is available for an additional premium. Towing and labor
charges may be covered if the insured vehicle is disabled due to flat tires, frozen fuel
line, accident, fire, flood, faulty electrical system, transmission problem, or any other
mechanical problem. Only labor costs will be covered by the policy. Additional charges to
replace faulty parts are not covered.
Example: If a covered auto must be towed due to a faulty fuel pump, the towing costs and
labor (labor at the scene) are covered up to the limits stated on the Declarations Page.
The cost of the replacement fuel pump and labor at the garage would not be covered.
Other Typical Coverages:
PERSONAL BELONGINGS
Coverage may be provided an insured's or relative's clothing or luggage which is damaged
in the auto, due to a Comprehensive or Collision loss.
THEFT
In case of theft of an insured auto the following items may be covered:
- Stolen clothing or luggage left in the auto
- Repayment of travel costs beginning 48 hours after the stolen auto is reported
to the police and to your insurer.
Travel costs can include car rental, train, bus, or taxi fares. Note maximum limits.
DISABLEMENT
If your auto is disabled as a result of a covered loss, your coverage may provide
reimbursement for travel costs from the point of disablement to your destination.
Maximum amounts may apply. This could include bus fare, taxi fare, etc.
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