What Is Auto Insurance?

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Car insurance helps provide financial protection for you, your family, other passengers, and your vehicle. You can choose the amount of protection by selecting your coverages and limits. An auto insurance policy can provide coverage for:

• Accidents
• Liability
• Medical expenses
• Property
• Vehicles

Liability Coverage 

• Bodily Injury liability: pays damages for bodily injury or death resulting from an accident for which you are at fault
• Property Damage liability: pays for damage to someone else's property resulting from an accident for which you are at fault.

 Medical Coverages

• Medical Payments coverage: may pay medical expenses related to a car accident
• Personal Injury Protection coverage: may pay for your medical treatment, lost wages, or other accident-related expenses regardless of who caused the accident.

 Uninsured Motorist Coverages 

• Uninsured Motorist Coverage:  may help compensate you for your injuries or property damage caused by a driver without insurance.
• Underinsured Motorist Coverage: can protect you from at-fault drivers with insufficient insurance coverage to pay your claim.

Vehicle Coverages

• Collision Coverage: may pay for damage to your car when it hits, or is hit by, another vehicle or other object.
•  Comprehensive Coverage:may pay for damage to your car from theft, vandalism, flood, fire or other covered losses.

•  You may be able to lower your premium if you select a higher deductible. If you have an older vehicle you may want to consider whether you need these coverages as they are normally limited to the cash value of your car.