Auto Insurance

There are basically six different types of coverages. Some may be required by law. Others are optional. They are:

• Bodily injury liability – for injuries the policyholder causes to someone else.
• Medical payments or Personal Injury Protection (PIP) – for treatment of injuries to the driver and passengers of the policyholder’s car.
• Property damage liability – for damage the policyholder causes to someone else’s property.
• Collision – for damage to the policyholder’s car from a collision.
• Comprehensive – for damage to the policyholder’s car not involving a collision with another car (including damage from fire, explosions, earthquakes, floods, and riots), and theft.
• Uninsured motorists coverage – for costs resulting from an accident involving a hit-and-run driver or a driver who does not have insurance.