1. So here you are… It’s a beautiful sunshine-filled day…. You’re driving along….

2. POW So, now what????

3. Whose insurance covers what? THEM YOU

4. The PEOPLE in the OTHER car Depends on whose fault the accident is!!!!

5. If it’s THEIR fault… Then it’s THEIR insurance… your insurance doesn’t pay if it’s their fault!

6. If it’s YOUR fault… Then your insurance does pay! BODILY INJURY LIABILITY COVERAGE EXAMPLE: 250,000/500,000 or 250/500 $250,000 for 1 st person, $500,000 for ALL

7. The PEOPLE in YOUR car MEDICAL PAYMENTS COVERAGE Medical and funeral expenses for you, your family Doesn’t matter who caused accident

8. YOUR CAR If it is THEIR fault…their insurance. If it is YOUR fault… –COLLISION Covers your car when colliding with another car or object Most expensive part of your insurance

9. THEIR CAR If it is THEIR fault…their problem. If it is YOUR fault… –PROPERTY DAMAGE LIABILITY –Listed after Bodily Injury Liability: xx/xx/50,000 or xx/xx/50

10. What happens if your car is stolen, vandalized, or damaged due to weather? COMPREHENSIVE

11. What happens if the other guy is not insured or underinsured? UNINSURED OR UNDERINSURED MOTORIST

12. Confused???

13. Here’s what you need! CoverageWho’s faultWhat’s covered Bodily Injury LiabilityYOURSThe other PEOPLE Property Damage Liability YOURSThe other CAR/PROPERTY Uninsured/ Underinsured motorist THEIRSCompensates for anything the other driver was supposed to be responsible for CollisionYOURSYour car ComprehensiveNature, theft, vandalism Your car Medical PaymentsDoesn’t matterYou and family in your car

15. Bodily injury liability (the people in their car) YOU THEM Collision (your car) YOUR FAULT Medical Payments (the people in your car) Property damage liability (their car)

16. THEY PAY YOU THEM THEY PAY THEIR FAULT THEY PAY (Medical payments too) THEY PAY

17. Who cares? It’s their fault YOU THEM Uninsured or underinsured motorist THEIR FAULT – BUT THEY DO NOT HAVE INSURANCE OR NOT ENOUGH Uninsured/Underinsured, Medical Payments Who cares? It’s their fault

18. Natural disaster, theft, vandalism – ANYTHING OTHER THAN A COLLISION Comprehensive (your car)

19. What happens.. You pay PREMIUMS You receive a POLICY If something happens, you make a CLAIM Pay DEDUCTIBLE

20. What affects your premium? Driver classification –age, gender, marital status Location of home and work Driving record Type of car –Safety –Expense Claims history

21. It’s all about RISK!!!! Are you RISKY????

22. How can you lower? Be a responsible driver Drive a moderately priced car –Discounts for certain safety features Good grades Driver’s Ed Live in safe neighborhoods Increase the size of your deductible Live responsibly