Vice President/Agent, Best Rates Insurance Inc, Kalispell Montana
An Auto policy on the st page should have what is called your declarations page. This will have on it
Bodily injury liability limits example would $25,000 per person/ $50,000 ( this is medical bills they pay to others)
Then it should have Property damage example$10,000 ( this is the coverage to the cars or fence or tree or what ever you cause damage to other then medical bills)
Then there is a section that you should have that is Uninsured and underinsured This should be matching limits to your liability limits listed above. This if for you if you get hit by someone that has no insurance or has insurance but there limits are not high enough to pay all your medical bills that you got from the accident
then there is medical pay usually this is 5,000 this is for you also incase you are hurt on near or around your vehicle it also is used for funeral bills incase you die in your car you loved ones can use this to help with the funeral expense
then If you have what some call "Full" coverage this would be the deductible part.
Comprehensive or other then collision coverage less your deductible
then there is collision. In Montana we do not have what some state have which is call PIP which is personal injury protection.
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Bodily injury liability limits example would $25,000 per person/ $50,000 ( this is medical bills they pay to others)
Then it should have Property damage example$10,000 ( this is the coverage to the cars or fence or tree or what ever you cause damage to other then medical bills)
Then there is a section that you should have that is Uninsured and underinsured This should be matching limits to your liability limits listed above. This if for you if you get hit by someone that has no insurance or has insurance but there limits are not high enough to pay all your medical bills that you got from the accident
then there is medical pay usually this is 5,000 this is for you also incase you are hurt on near or around your vehicle it also is used for funeral bills incase you die in your car you loved ones can use this to help with the funeral expense
then If you have what some call "Full" coverage this would be the deductible part.
Comprehensive or other then collision coverage less your deductible
then there is collision. In Montana we do not have what some state have which is call PIP which is personal injury protection.