Before choosing the insurance coverage that’s right for you and your teenager, shop around. You can use the worksheet below to help you compare coverage as well as cost.

Definitions
Bodily Injury

• Liability helps protect your assets if you cause an injury or death with your vehicle and you are judged liable for the accident.
• Medical Payments pays the medical expenses resulting from accidental injury to you and any passengers in your car, up to your policy’s limit.
• Protection Against Uninsured / Underinsured Motorists provides payment for bodily injury to you and any passengers for injuries caused by an uninsured, underinsured or hit-and-run driver who’s at fault in the accident.

Property Damage

• Liability pays for the damage caused by your car to property of others, if you are responsible for the accident.
• Comprehensive pays if your car is damaged by events other than an automobile accident, such as theft, hail, fire, and glass breakage or water damage.
• Collision pays for damage to your car resulting from a collision with another vehicle or object, regardless of who is at fault.

Heading Down the Road
It’s an exciting time for your teenager. A driver’s license brings a taste of independence. With some thoughtful supervision from you, your child can enjoy this new freedom safely, and establish good driving habits for the years to come.