Auto Insurance Coverages

• 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.