When it comes to making a smart decision on purchasing the right auto insurance coverage for yourself. It is helpful to have a basic understanding of the different types of auto insurance coverages. These listed definitions below are provided as general information only. Your policy limits and restrictions apply. Please refer to your policy jacket wording for further details. Should a conflict arise between this contents of this article and the insurance policy, the policy language will prevail.
Bodily Injury Liability: This coverage applies when you are at fault in an auto accident that results in bodily injury to the other party.
Property Damage Liability: This coverage applies when you cause damage to someone else’s property as a result of an auto accident.
Personal Injury Protection (PIP): This provides coverage for you and/or your passengers for medical expenses, loss of earnings, and/or other additional covered expenses as a result of injuries from an auto accident.
Uninsured / Underinsured Motorist – Bodily Injury: This provides coverage for you and/or your passengers for injuries caused by an uninsured or underinsured motorist.
Uninsured / Underinsured Motorist – Property Damage: This covers property damage to your vehicle caused by an uninsured or underinsured motorist.
Comprehensive: This covers damages to your vehicle caused by other than a collision, such as theft, vandalism, or fire, subject to your deductible.
Collision: This covers damages to your vehicle resulting from an auto accident, subject to your deductible.