How Auto Insurance Protects You

The six primary sections of an auto insurance policy

Your auto policy may include these six areas of coverage or a combination of them. Each is priced separately.

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 caused to someone else's property.

Collision: For damage to the policyholder's car from a collision. The collision could be with another car, a fence, a light post, a wall, etc.

Comprehensive: For damage to the policyholder's car that doesn't involve a collision. Coverage includes fire, theft, falling objects, explosion, earthquake, flood, etc.

Uninsured Motorist Coverage: For treatment of the policyholder's injuries as a result of collision with an uninsured driver. Additionally, under-insured motorist coverage can also be included in the policy. Under-insured motorist coverage is for when an at-fault driver has auto liability insurance, but the limit of insurance is insufficient to pay your damages.

Each state requires that you have certain types of coverage in combination with minimum liability limits. Talk to our agents about the type of coverage you need at the premium you can afford.