Who is covered: provides protection in the event you injure or kill someone with your car
What is covered: Pays for medical expenses, pain and suffering, your legal bills, and claims against you and your family and others driving with your permission.
Bodily injury liability pays for claims associated with injury to people; it does not cover damage to your vehicle. For this reason it is important to consider the value of your assets, and not your vehicle’s age or value, when choosing a coverage limit.
Who is covered: protects you, anyone you allow to use the car, or a household member causing an accident.
What is covered: pays for damage to another person’s property and any costs associated with the loss of use of that property. Property damage coverage also provides you with legal defense if another party files a lawsuit against you.
Who is covered: protects you, anyone you let drive the car, household members and passengers against losses by an uninsured or “hit and run” driver.
What is covered: Pays for bodily and personal injuries, damages or death caused by an at-fault uninsured or hit-and-run driver. Damage to property or your car is not covered by this coverage.
Who is covered: protects you, anyone you let drive the car, household members and passengers against losses by an underinsured driver.
What is covered: Pays the difference (or gap) between an underinsured driver’s Bodily Injury coverage and the UIM limits you select. Damage to property or your car is not covered by this coverage.
What is covered: Collision coverage pays for damage to your car when your car hits, or is hit by, another vehicle or object. If your car is financed or leased, the finance company may require that you carry this coverage.
What is covered by limited collision: a variation on Collision coverage, Limited Collision pays for collision damage to your car as long as you are not more than 50% at fault and the owner of the other car is identified. If you are more than 50% at fault, Limited Collision will not cover damages to your vehicle.
What is covered: Comprehensive physical damage coverage pays for losses to your vehicle resulting from incidents other than collision, such as fire, theft, vandalism, and hitting – or being hit by – an animal.
Comprehensive coverage may protect you when you are using a rental car or have permission to borrow someone else’s vehicle. See Rental Car Insurance for more information.
Lenders frequently require this coverage if your car is financed.
Who is covered: provides protection for you or anyone you let drive your car, anyone living in your household, passengers and pedestrians regardless of who causes the accident. Policyholders and their family members are also covered while riding in someone else’s car or if injured as a pedestrian struck by another vehicle.
What is covered: Pays for medical expenses, hospital and funeral expenses, replacement services, and a percentage of lost wages.
The drivers and passengers of motorcycles may not be covered, but they may purchase PIP to protect others who may be injured by the motorcycle.
Who is covered: protects you, your household members, and passengers no matter who caused the accident. Coverage may also protect you or your family members if they are injured in someone else’s car, hit by a car while on foot or bicycling.
What is covered: increases the amount of compensation for medical expenses from the basic amounts covered under Personal Injury Protection.