Auto Insurance

Liability Coverage means you are responsible for the other person's bodily injuries or property damage if you cause an accident.  When you buy liability, there is a limit (example: 25/50/25) which is the maximum amount the insurance company will pay for a claim.

Collision Coverage repairs damage, regardless of who's at fault,  to your vehicle when you  hit, or are hit by, another vehicle or object.

Comprehensive Coverage repairs damage to your vehicle that's caused by something other than collision like: fire, theft, vandalism, hail, flooding, or hitting an animal.   

Collision and Comprehensive comes with a deductible you can choose from (typically ranging from $250-$1000).

Uninsured Motorist Property Damage (UMPD) Covers damage to your vehicle caused by a driver who doesn't have car insurance.

Uninsured / Underinsured Motorist Bodily Injury (UMBI) Covers medical expenses, lost wages, and other damages when you're hurt in an accident caused by a driver who has insufficient or no insurance

Medpay (or Medical Payments) Covers the cost  of medical care that is reasonable and necessary for you as  the result of an accident, regardless of who's at fault.

Personal Injury Protection (PIP) Covers medical bills and, in some states, other living expenses while you heal if you're unable to work because of an accident, regardless who's at fault.

Rental Reimbursement covers your rental car while your car is being repaired as part of a comprehensive or collision claim

Roadside Assistance covers repairs or towing when your vehicle breaks down due to mechanical or electrical issues, a dead battery, flat tire, you're locked out of your car, run out of gas, or you get stuck in the snow.