Bodily Injury Liability: If you cause an accident where someone else is injured, this coverage can help pay for their medical bills and loss of income.
Property Damage Liability: If you cause an accident, this coverage helps pay for damages to another person’s vehicle or property.
Underinsured Motorist: Coverage that helps protect you and your vehicle from uninsured drivers and hit-and-run accidents.
Uninsured Motorist: Coverage that helps protect you from drivers who do not have enough insurance to cover the costs of an accident.
Collision: Coverage that pays for the damage to your car resulting from your vehicle’s impact with another vehicle or object.
Medical Payments: Helps pay medical costs for you and your passengers in the event of a covered auto accident.
Personal Injury Protection (PIP): PIP is a no-fault coverage, meaning some of the medical expenses for the policyholder and others in the policyholder’s car may be covered by insurance in the event of a covered accident.
Other than Collision (Comprehensive): Pays for damage to your car that was not from the result of a collision with another car or object. Causes of damage might include theft, vandalism, flooding, fire, a broken windshield, or collision with an animal.
Roadside Assistance: Coverage you can add to your car insurance policy to help when you find yourself stranded due to unexpected car trouble.
Loan/Lease Gap Insurance: Gap insurance, also known as loan/lease insurance, can help protect you if your vehicle is financed or leased. If your vehicle is totaled (deemed a total loss), this coverage may pay the difference between the actual cash value of the vehicle and the unpaid balance of the auto loan or lease.
Rental Car Expense: Coverage that provides access to a rental car or other transportation while your car is in the repair shop after a covered accident. Also known as loss of use or transportation expenses.
Towing and Labor Coverage: This coverage can help when your car is stuck, broken down or inoperable due to an accident. (If collision coverage is not available.)
