AUTO:

Bodily Injury Liability: Covers you if you injure someone while operating your car

Personal Injury Protection Insurance (PIP): Coverage that pays for medical expenses of the driver and passengers in your car regardless of who is at fault for the accident.

Property Damage Liability: Covers you if your car damages someone’s property, and it also pays for your cost for legal expenses if you are sued as a result of these damages.

Comprehensive Physical Damage Insurance: Covers your car if its damaged by something such as: Fire, Theft, Vandalism, Collision with an animal, and many other covered incidents. Does not cover you if your car hits an object.

Collision Insurance: Covers your car when your car hits, or is hit by another object.

Towing and Roadside Assistance Insurance: Coverage that’s pretty cheap when added to a to a full coverage policy. Why take the chance on having to walk when you can pay as low as $8 a month.

Uninsured Motorist Protection 3 different types:

Uninsured Motorist Bodily Insurance (UMBI): Covers you and your passengers’ injuries such as medical expenses, in an accident caused by a driver with no insurance, and/or a hit-and-run driver.

Uninsured Motorist Property Damage Insurance (UMPD): Covers your vehicle in an accident caused by a driver with no insurance, and/or a hit-and-run driver.

Under-insured Motorist Insurance (UIM): Covers your vehicle if it is damaged from an accident by another driver that doesn’t have enough insurance coverage on their policy to cover the damage to your vehicle. This coverage on your policy will cover the remaining difference for any damages to be repaired or replaced on your car.