- Personal Injury Protection
California drivers are required by law to purchase liability coverage. This coverage pays for damage caused to others if you are at fault in a covered accident. When you or another covered driver on your auto insurance policy are legally responsible for an accident, your insurance company pays for the damage and/or medical expenses of the other vehicle and its driver and passengers.
When you purchase liability coverage* you will need to make two important selections to determine the level of protection you would like to carry.
- Bodily Injury (BI) — Bodily injury coverage pays for injuries to other people when the insured vehicle’s driver is legally at fault. You will see a series of three numbers when purchasing liability coverage. For example, $25,000/50,000/15,000 represents your policy’s liability limits. The first figure ($25,000) is the maximum coverage available for a single injury; the second figure ($50,000) is the maximum coverage per accident for all injuries; and the third figure ($15,000) is the maximum per accident that your policy will pay for property damage. Most states have minimum mandatory coverage requirements, but it’s important to note that The Insurance Information Institute suggests that drivers carry liability coverage that is no less than $100,000/300,000/50,000.
- Property Damage (PD)— This coverage pays for damage to someone else’s property caused by your vehicle. Usually it’s someone’s vehicle, but property damage can apply to other property too, such as buildings, utility poles, trees, fences and garage doors. In addition to liability coverage, you can also purchase a variety of optional coverages that will protect you and your vehicle from unexpected events.
- Medical Payment – This is a package of first-party medical benefits that provides broad protection for medical costs.
- Collision– Covers damage to your vehicle caused by a covered accident, regardless of fault. This might involve a collision with another vehicle, or it could cover costs to fix your vehicle if you encounter a pothole or other road hazard. This insurance applies only to your auto. It doesn’t cover whatever your vehicle collided with – that would be covered under your property damage liability coverage if you were found legally responsible for the accident.
- Comprehensive– Protects you in the event your vehicle is damaged due to something other than a collision, such as theft, vandalism, flood, hailstorm or fire.
- Uninsured / Underinsured Motorist Bodily Injury (UMBI) — Protects you and other passengers in your vehicle injured as a result of an accident with an uninsured or underinsured at-fault driver. This also comes in a second form—Uninsured/Underinsured Motorist Property Damage (UMPD) or Collision Deductible Waiver (CDW) —to cover damage to your vehicle if you are hit by an uninsured or underinsured driver. CDW is most frequently purchased by people purchasing collision and comprehensive coverage. UMPD is most frequently purchased by people who do not purchase collision and comprehensive coverage.
Make sure you ask us about our AUTO+HOME discount. You could save hundreds of dollars a year when you insure both your auto and your home with Mercury.