Finding the Coverage That's Right for You
Automobile insurance can be a confusing subject. Which coverage options do you need? Are you paying too much for your insurance? Are you well protected against liability lawsuits?

These are just a few of the questions you need to ask when deciding on your automobile insurance protection. Here is a brief explanation of the available automobile insurance coverages and the protection they provide.

The Benefits of Liability Insurance
Liability coverage is designed to protect you against legal liability if you cause an auto accident that results in bodily injury or damage to someone else's property. Cotton States will also defend any claim covered under this policy until the limit of liability has been exhausted.

Coverage for Damage to Your Auto
With Collision or Other-Than-Collision coverage, Cotton States will pay for damage to your automobile, depending on which coverage you choose:

• Collision coverage pays if your auto hits another vehicle or object.
• Other-Than-Collision pays for losses which are not insured under Collision coverage, which include glass breakage, fire, theft or larceny, vandalism, windstorm, hail, water or flood and collision with an animal.

When you select "Coverage for Damage to Your Auto," Cotton States will pay up to $10 a day (maximum $300) for transportation expenses you incur if your auto is stolen.

Protecting Against Uninsured Motorists
If you're involved in an auto accident caused by a hit-and-run driver or by someone who has no insurance, Cotton States’ uninsured motorist coverage will pay for damages that you are legally entitled to collect. This coverage also provides underinsured motorists coverage in accordance with the laws of your state.

Covering Medical Expenses
Medical payment coverage protects you, your family and your passengers when involved in an automobile accident. This coverage will pay for reasonable medical and funeral expenses incurred because of an auto accident, regardless of fault. (The actual policy explains time limitations on this coverage.)

Optional Coverages
Increased Liability Limits. The limit of liability you choose for bodily injury and property damage determines the amount of insurance protection you have. Cotton States offers several limits of liability.

Rental Reimbursement Coverage. This coverage is designed to pay for rental expenses you incur because of damage caused by a covered loss to your insured auto.

Towing and Labor Coverage. If your auto is disabled, this coverage will pay for incurred towing costs.

Ask your Cotton States agent about additional options, including sound receiving and transmitting equipment coverage, customized equipment coverage, additional insured coverage, extended non-owned liability coverage, personal injury protection (where applicable), loss of earnings coverage (where applicable).

Automobile Billing Payments
Cotton States offers three payment options for automobile coverage:

Four Payment*. With this option, you pay part of the premium with the application. Cotton States will bill the remaining premium in three, equal monthly installments.

Split Payment*. With this option, you pay part of the policy premium with the application. Cotton States will bill the remaining premiums in two months after the effective date.

Full Payment. If you prefer, you may submit the full policy premium with the application.