Most states require auto insurance in order to drive, and that can be expensive. If you are insured in Massachusetts, see our Frequently Asked Questions.

Please remember that in order for your insurance coverage to take effect, all drivers and cars must be specifically listed on your policy. You should also refer to your automobile contract for the specific terms and conditions of the coverage that you have purchased. If you have any further questions you should speak directly with Leonard Insurance. The following guide is intended to help you understand your coverage better.

Liability

Liability coverage offers protection against claims, property damage or bodily injury to a third party that you or a member of your household accidentally caused while driving your car. This coverage applies only if the driver is considered legally responsible for the damage.

Medical payments

The medical payments portion of your policy assures that you, your family members and passengers in your car will receive necessary medical and dental services resulting from an auto accident…regardless of who caused the accident. We also provide coverage if you and your family members are involved in an accident as a pedestrian.

Uninsured motorist/Underinsured motorist

Uninsured motorist coverage will pay for injury expenses incurred should you, your family members or passengers be involved in an accident with an uninsured motorist. This coverage also provides protection for a hit-and-run accident or an accident with a driver who has less insurance than required by law.

Underinsured motorist coverage comes into play when the other driver is found legally responsible for an accident and has coverage, but not enough to cover your injuries. If your coverage limits are higher than those of the at-fault driver, this coverage will absorb the additional expenses.

Un/Underinsured coverage is not identical in all states since each state has its own uninsured motorist laws. In most states this coverage applies to bodily injury only. However, property damage coverage is available in some states.

Collision coverage pays for any damage to your car caused by accidental impact with another vehicle or object…or if your vehicle overturns. The maximum amount to be paid is limited to the actual cash value of your vehicle, less the collision deductible. The actual cash value of the car may be more or less than “average” depending on the actual condition of the car.

Comprehensive coverage pays for most types of damage to your car resulting from a situation other than a collision. Typical examples include breakage of glass, falling objects, fire, theft, windstorm, hail, water, flood, malicious mischief, vandalism, or impact with a bird or animal. The maximum amount paid is limited to the actual cash value of your vehicle less the “other than collision” deductible.

Personal injury protection (No-Fault)

Your policy will provide no-fault insurance for residents of states where it is required. This means that you, your family and any passengers are covered under your policy regardless of who is responsible for the accident. This coverage includes medical, surgical, dental, hospital, work loss and certain other related expenses. This same coverage extends to you or your family member in an accident as a pedestrian.

Additional, optional coverages

Some coverages are not included as part of the basic auto policy. However, you can customize your policy to your needs by adding the following coverages:

• Towing and labor: pays for towing and labor costs each time your car is disabled. Covered labor must be performed at the place where your car is disabled. There’s usually a limit to the dollar amount that will be applied to each loss.
• Rental reimbursement: pays for a rental car if your car is damaged by a situation covered by comprehensive or collision coverage and if your car is out of commission for more than 24 hours.

Situations where damage is not covered

Please be aware that your policy will not pay for damages due to normal wear and tear such as mechanical or electrical breakdowns and flat tires.

The above description provides a brief overview of the terms and phrases used within the insurance industry. These definitions are not applicable in all states or for all insurance and financial products. This is not an insurance contract. Please read your official policy for full details about coverages.

Leonard Insurance can provide you with the coverage which suits you.