Bodily Injury Protection: This coverage protects you against financial loss if someone is killed or injured by your auto and you are found liable. Your legal expense and court costs would also be included for a covered suit, as would your bail bond expenses.
Property Damage Liability: This insurance covers you against financial loss if you are found liable for damage to other peoples' property caused by your auto.
Uninsured Motorist Coverage: This coverage pays damages for bodily injury or death caused by an uninsured driver or a hit-and-run driver who is legally responsible for the accident.
Personal Injury Protection (No Fault: Reparation Benefits): This insurance pays benefits for the cost of personal injuries resulting from an automobile accident. The coverage applies without regard to who was at fault in the accident. Personal Injury Protection applies only to injuries to people. It does not cover damage to a car or to any other property.
Medical Payments: This coverage is not required in all states. It is often included in Personal Injury Protection Coverage and pays up to your policy limit for reasonable medical expenses incurred within 3 years of an accident. Medical Payments Coverage applies to everyone in your auto. It also applies to you and relatives living in your household who are insured in other automobiles or who are struck by a vehicle. In many states, you may choose your own limit for Medical Payments Coverage.
Collision: This insurance pays for the actual cash value of damages to your covered auto (up to the auto's actual cash value) caused by an impact with another vehicle or stationary or moving object. The amount of your deductible will be subtracted from any settlement. You may want to consider this coverage if your auto is 7 years old or newer.
Comprehensive (Other than collision coverage): This insurance pays for losses to your covered auto (up to its actual value), which are not caused by a collision. This includes damage caused by fire, theft, glass breakage, riot, windstorm, and hail. The amount of your deductible will be subtracted from any settlement.
Towing and Labor Coverage: If your car becomes disabled, this coverage pays for towing and labor to repair your car up to your policy limits.
Rental Car Reimbursement Coverage: If your car becomes disabled and you need to rent a substitute, this coverage pays the cost of the rental car up to your policy limits.
