
Car Insurance Coverage
Liability Coverage
Coverage on liability includes both property damage liability and bodily injury coverage been a requirement in most states. If you cause an accident, damage someone’s property, or hurt someone, the liability coverage can pay for lawsuit defense and covered damages.
Comprehensive Coverage
Comprehensive coverage assists you on paying for damage to your vehicle that is not caused by a collision. For example, some natural disasters, storms, theft, vandalism, hitting a deer or other animals.
Collision Coverage
Collision coverage assists you on paying for damages to your vehicle if your car hits another object or car, if your car gets hit by another car or if your vehicle rolls over. Collision coverage is generally required if your car is leased or financed.
Personal Injury Protection
Personal injury protection (PIP), also called no-fault insurance. Personal injury protection pays medical expenses, and in some cases lost wages and other damages regardless of who is at fault in an accident.
Uninsured/Underinsured Motorist Coverage
Uninsured/underinsured motorist coverage can help pay for damages and medical costs resulting from an accident caused by someone who has no insurance or inadequate insurance coverage.
Medical Payments Coverage
Medical payments coverage helps pay for covered medical expenses for anyone injured while in your vehicle, regardless of who is at fault.
Deductibles and Limits
Your car insurance deductible is the amount you will pay out of pocket before your insurance kicks in. The lower the deductible, the less you will pay out of pocket if an accident occurs. Selecting a higher deductible may lower your auto insurance premium.
Your car insurance coverage limits, also referred to as limit of liability, are the most your insurance will pay if you have a claim. Choosing a higher coverage amount provides you additional protection if an accident occurs.
The available coverage limits may vary by coverage type and state. It is important to choose limits that meet your needs.