Common Auto Insurance Coverages
Most states require liability insurance while many other coverages are optional and designed to address your individual needs.
Comprehensive coverage includes physical damage other than collision. It pays for damage to or loss of your car or truck from causes other than accidents – including hail, vandalism, flood, fire and theft, and collision with a animal.
Liability insurance pays for injuries to the other party and damages to the other vehicle resulting from an accident the policyholder caused. It also pays if the accident was caused by someone covered by the policyholder’s policy, including a driver operating the car with their permission.
Rental Reimbursement Coverage
Rental reimbursement coverage pays a set daily amount for a rental car if the policyholder’s car is being repaired because of damage covered by the auto policy.
Medical Payments & Personal Injury Protection (PIP)
Medical Payments and Personal Injury Protection pay limited medical and funeral expenses if the policyholder, a family member, or a passenger in the car is injured or killed in a motor vehicle accident.