Mandatory in most states, liability coverage is divided into two parts: property damage and bodily injury. Property damage covers repairing the other person's vehicle, while bodily injury covers medical expenses for injured parties up to the agreed coverage limit.
Personal Injury Protection (PIP) covers medical expenses for you and your passengers regardless of fault. Medical Payments Coverage is optional and covers medical expenses if you or your passengers are injured in a car accident, regardless of fault.
This coverage helps pay for car repairs and medical expenses if you are in an accident with an uninsured driver who is at fault.
In a collision with another vehicle or stationary object, like a tree or fence, this type of coverage pays for repairing your car, no matter who is at fault. It's important to note that while liability coverage can involve costs associated with other individuals' damaged cars, collision coverage solely applies to your vehicle.
This type of coverage can shield you from the costs of repairing or replacing your vehicle in the event of non-collision incidents. That includes theft, vandalism, or damage from natural elements such as wind or hail.
Towing and labor coverage provides coverage for towing your vehicle in the event it's not drivable. Additionally, it covers the cost of labor for services such as tire changes and jump-starting your battery. Rental Reimbursement covers costs associated with a rental car if your car is damaged and unavailable for use.
