Car Insurance Coverages Basics:

Bodily Injury and Property Damage Liability – Pays for medical costs and Car Repairs

Personal Injury Protection (PIP) – “No Fault”, and all medical expenses from an auto accident.

Uninsured and Underinsured Motorists Coverage – Hit and run and non-covered motorist protection

Collision Coverage – Pays for damage from accidents

Comprehensive Coverage – All factors other than collision (stolen, natural and unnatural disasters, etc)

Details:

Bodily Injury and Property Damage Liability

• Another person is hurt or dies in an accident, personal loss, bail bonds
• Compensation for pain, suffering, or personal hardships
• Your fault
• Typical Minimum: 15,000 per person, 30,000 per accident

Property Damage Liability

• If you are legally responsible for damage to other’s belongings as result of auto accident
• Typical Minimum: 5,000 per accident

Personal Injury Protection (PIP)

• Income continuation
• Medical Expenses
• Death Benefit
• Essential Services
• Funeral Expenses

Underinsured / Uninsured Motorists Coverages

• Provides coverage to you against underinsured and uninsured motorists for your property, usually comes as a package coverage (can’t buy one without the other)

Collision Coverage

• Repairs to your automobile.

Comprehensive Coverage

• Covers all conditions other than those caused by an accident (theft, acts of God)

Rental Reimbursement

• Pays for rental car reimbursement while your vehicle is being serviced, repaired, etc.

Towing and Labor

• Pays for towing and labor that may be required for your vehicle