Personal, Classic, Temporary or Rented Auto Insurance
Auto Liability Coverage
Auto liability insurance coverage pays for the damage if you are legally responsible for an accident that injures someone or damages other property.
There are 2 categories of Auto Liability:
- Bodily Injury Liability – this covers medical expenses, pain and suffering, lost wages, and other damages.
- Property Damage Liability – this covers property that is damaged, and costs associated with loss of use.
State laws usually dictate the minimum amounts of auto liability insurance required, but higher amounts are available.
Collision covers your auto in the event of an accident. Choose your deductible amounts , new car replacement options and a whole array of coverage to choose from.
Comprehensive insurance covers most other forms not resulting from a collision or rollover such as fire, theft, vandalism, flood, car windshields, or any other car window replacements you might need. Comprehensive coverage is an optional coverage, but it is also typically less expensive than Collision coverage.
Personal Injury Protection (PIP)
This coverage helps pay the reasonable and necessary medical expenses for covered persons for treatment due to an automobile accident.
Additionally, it may also pay for the following:
- Lost earnings
- Replacement of services
- Funeral expenses
This coverage is available in most states. It pays reasonable and necessary medical and funeral expenses for covered persons as a result of an automobile accident.
This coverage pays for damages when a covered person is injured in an automobile accident caused by a driver who does NOT have Liability Insurance
In some states this auto insurance coverage may also pay for property damage.
This type of car insurance coverage varies by state and depends upon policy provisions.
This coverage pays for damages when a covered person is injured in an automobile accident caused by another driver who does not have sufficient Liability Insurance.