Bodily Injury Liability
Covers injuries you cause to others in an accident, including medical costs and legal expenses.
Collision Coverage
Pays for damage to your car after colliding with another vehicle or object, regardless of fault.
Comprehensive Coverage
Covers non-collision losses – theft, fire, hail, vandalism, or hitting an animal.
Full Coverage
Informal term for a policy that includes liability, collision, and comprehensive coverages.
Liability Coverage
Pays for injury or property damage you cause to others in an accident.
Medical Payments (MedPay)
Covers limited medical expenses for you and your passengers after an accident, regardless of fault.
Non-Owner Policy
Provides liability coverage for drivers who don’t own a car but drive occasionally.
Personal Injury Protection (PIP)
Covers medical bills, lost wages, and related expenses for you and your passengers, regardless of who’s at fault.
Property Damage Liability
Covers damage you cause to other people’s property, such as their car, building, or fence.
Uninsured / Underinsured Motorist (UM/UIM)
Covers you if the at-fault driver has no insurance or not enough insurance to pay for your losses.