Compulsory (Auto Coverages you must carry)
Part 1. Bodily Injury to Others
This covers injuries you cause to people who are not in your car.
Part 2. Personal Injury Protection
This covers you, anyone else in your car and pedestrians regardless of fault.
- Medical Expenses
- 75% of Lost Wages
- Preplacement Services
Part 3. Bodily Injury Caused by an Uninsured Auto
This covers you for injuries caused by an Uninsured auto.
|Uninsured Auto||Covers You|
|Vehicle without Insurance||In Your Own Car|
|Hit & Run Vehicle||In Someone Else’s Car|
|Stolen Vehicle||As a Pedestrian|
Part 4. Damage to Someone Else’s Property
This covers damage you cause to someone else’s property.
Part 5. Optional Bodily Injury to Others
This extends your coverage out-of-state and allows passengers to be covered by Part 1.
Part 6. Medical Payments
This covers you and anyone else in your car for medical payments, regardless of fault.
Part 7. Collision
This covers damage to your car resulting from a collision, regardless of fault.
Waiver of Deductible:
If you are 50% or less at fault AND can identify the other party, your deductible will be waived.
Part 8. Limited Collision
This covers damage to your car resulting from a collision, BUT ONLY if you are 50% or less at fault AND can identify the other party.
Part 9. Comprehensive
This covers damage to your car other than by collision. Such as fire, theft, vandalism and glass break.
Part 10. Substitute Transportation
If you cannot drive your car due to a “covered” loss, you are eligible fo the reimbursement of the cost of substitute transportation.
Part 11. Towing and Labor
This covers the cost of towing and/or labor each time your car is disabled. Repair parts are not covered.
Part 12. Bodily Injury Caused by an Underinsured Auto
This covers you for injuries caused by an under-insured auto.
|Under-Insured Auto||Covers You|
|A Vehicle which does not||In Your Own Car|
|Have enough insurance to cover your cost||In Someone Else’s Car|
|As a Pedestrian|
- Accident Forgiveness
- Disappearing Deductible
- Rental Vehicle Loss of Income
- New Car Replacement/Guaranteed Replacement Cost
- Air Bag Coverage
- Loan/Lease Gap Coverages
- Extended Substitute Transportation
- Supplemental Towing & Labor
- Personal Effects
To find out more, please call (800) 625-1000 to speak with a Borawski Insurance Representative
- Good Student Driver
- Motorcycle Driver Training
- Passive Restraint
- Account Credit
- Driver Training
- Advanced Driver Training
- If you are age 65 and older
- Safe Driver