Drop Your Insurance
An auto insurance policy contains six main types of coverage.
Car insurance is comprised of the following coverages:
- Bodily injury liability – pays for the others’ medical bills and lost wages when the accident is your fault.
- Property damage liability – pays to repair or replace the property you destroy. This includes cars or property
- Medical payments (MedPay) or Personal Injury Protection (PIP) – MedPay coverage pays for medical expenses suffered by you and your passengers after an accident. PIP pays for medical expenses and lost wages for you and your passengers who are injured in an accident.
- Collision – pays to repair your own vehicle in the event of an accident. Your collision claim check will be reduced by the amount of your collision deductible
- Comprehensive – pays for damage to your car that is not due to car accidents, such as theft, fire, vandalism, natural disasters, and collision with animals.
- Uninsured/Underinsured motorists coverage (UM/UIM) – pays for your medical bills in an uninsured driver hits your car or if you are a victim of a hit-and-run
- Extras, like roadside assistance – pays for towing and fees due to vehicle breakdowns. Rental reimbursement pays for a rental vehicle when your car is damaged or stolen.