Auto Insurance
Bodily injury liability
Insures you for the injuries that are caused to people in another vehicle, or a pedestrian, involved in an accident for which you are responsible.
Property damage liability
Insures you for the damage done to other vehicles, buildings or property that you cause while operating your vehicle.
Medical payments
Insures you and passengers in your car if injured in an accident, regardless of fault.
Uninsured motorist
Insures you and passengers in your car for the medical bills and loss of earnings when the person who is responsible for your injuries has no insurance. This does not apply to damage to your vehicle.
Underinsured motorists
Insures you and passengers in your car for the medical bills and loss of earnings when the person who is responsible for your injuries has insurance, but inadequate limits to cover your medical bills and loss of earnings.
Collision
Insures the damage to your vehicle when you are involved in an accident. This coverage pays for repair of your vehicle if you are involved in an accident with an uninsured driver.
Comprehensive, also Other than Collision
Insures the damage to your vehicle by hail, theft, falling objects, broken glass and collision with animals.