Automobile Insurance

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Liability Insurance: This is the core component of most auto insurance policies, required by law in most states. It covers the costs associated with injuries and property damage you may cause to others in an accident. Liability insurance is typically split into two categories: bodily injury liability and property damage liability.

Collision Insurance: Collision coverage pays for damage to your vehicle if you hit another vehicle, an object, or if you roll over. It covers the cost of repairing or replacing your vehicle, regardless of who is at fault.

Comprehensive Insurance: This coverage helps pay to repair or replace your vehicle if it's damaged in an incident that's not a collision. Comprehensive covers events such as theft, fire, vandalism, hail, falling objects, and animal damage.

Personal Injury Protection (PIP): Also known as "no-fault insurance," PIP covers medical expenses, and sometimes lost wages and other damages, regardless of who is at fault in an accident. It is mandatory in some states, primarily those that operate under a no-fault insurance system.

Medical Payments Coverage: Similar to PIP, this coverage pays for medical expenses that you and your passengers incur as a result of an accident, regardless of fault. It is limited to reasonable expenses such as surgery, x-rays, and hospital stays.

Uninsured/Underinsured Motorist Coverage: This coverage protects you if you’re in an accident with a driver who either lacks insurance or has insufficient insurance to cover the costs of your damages and injuries. It can cover both bodily injury and property damage losses.