Liability coverage offers protection against claims, property damage or bodily injury to a third party that you or a member of your household accidentally caused, and is legally responsible for, while driving your car.
The Medical Payment portion of your policy provides you, your family members, and passengers, the assurance of necessary medical and dental services resulting from an auto accident, regardless of who caused the accident.
Uninsured Motorist coverage and Underinsured Motorist coverage address the expense of injury incurred should you, your family members or passengers be involved in an accident with an uninsured or underinsured motorist, or even a hit and run accident. In some states property damage coverage is also available in these circumstances.
Collision coverage addresses the cost of damages to your vehicle during an accident, and Comprehensive coverage applies to damages to your car resulting from a situation other than a collision. Comprehensive coverage often applies to breakage of glass, falling objects, fire, theft, windstorm, hail, water, flood, malicious mischief, vandalism or impact with a bird or animal.
Personal Injury Protection (No Fault)
Personal Injury Protection (No Fault) is required by some states to cover you, your family and any passengers under your policy regardless of who is responsible for the accident. This coverage includes medical, surgical, dental, hospital, work loss and certain other related expenses.