Auto Insurance Coverages
Get an Auto Insurance Quote
Premium protection doesn’t have to cost a premium. Grab a free, personalized quote today and see how much you could save.
Call 503-863-5815 or email dorjee@dorjeeinsurance.com to get a quote
What are the Different Coverages in Liability?
| Coverage | What it Covers |
|---|---|
| Personal Injury Protection (PIP) | PIP ensures immediate medical payout and financial support for you and your passengers after an accident without waiting for a legal determination of fault. |
| Bodily Injury (BI) | This is a legally mandated liability coverage in most states, designed to protect your personal assets from lawsuits resulting from injuries you cause to others. |
| Property Damage (PD) | The repair or replacement costs for another person's vehicle or static property (such as fences, buildings, or utility poles) that you damage with your vehicle. |
| Uninsured/Underinsured Motoriest | It acts as a safety net against drivers who illegally operate vehicles without insurance or carry insufficient coverage to pay for the damage they cause. |
What is the Collision Coverage?
A critical component of an auto insurance policy that is specifically designed to finance the repair or complete replacement of your vehicle if it sustains damage during a crash, and it provides this financial protection regardless of which driver is ultimately deemed at fault for the incident.
What is Comprehensive Coverage?
Frequently referred to within the insurance industry as “other than collision” coverage, serves to protect your financial investment by insuring your vehicle against physical damage caused by a wide variety of unpredictable and largely unavoidable events that fall completely outside of your control as a driver.
What are the Optional Add-ons in Auto Insurance?
| Coverage | Summary of Coverage |
|---|---|
| Road Side Assistance | Covers emergency services like towing, jump-starts, fuel delivery, and tire changes if your car breaks down. |
| Glass Coverage | Pays to repair or replace damaged windows and windshields, often with little to no deductible. |
| Loss of use | Reimburses you for rental cars or alternative transportation while your car is being repaired for a covered claim. |
| Gap Coverage For New Vehicle | For New Vehicle: Pays the difference between your car's depreciated value and what you still owe on your loan or lease if the vehicle is totaled. |
| Additional Equipment Coverage | Protects and reimburses you for custom aftermarket parts or modifications you've added to your vehicle. |