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A standard auto insurance policy is made up of the following coverages.

  • Bodily injury
    Liability provides protection if you harm or kill someone while driving. It also provides for a legal defense if a lawsuit is filed against you. Keep in mind, bodily injury liability covers injury to people, not your vehicle.
  • Medical payments
    No-fault or personal injury protection coverage pays the medical expenses of the injured driver and passengers in your car. There may also be coverage if you are hit by a car.
  • Uninsured motorists coverage
    Pays for your injuries caused by an uninsured driver.
  • Comprehensive physical damage coverage
    Pays for losses resulting from damage to your car if it is damaged by flood, fire or animals. This coverage also provides supplemental payments for transportation expenses in the event your insured vehicle is stolen.
  • Collision coverage
    Provides protection in the event your car is involved in a collision with another vehicle or object. Collision losses are paid regardless of fault. To keep your premiums low, it is recommended you take the highest deductible amount you can afford to pay (out of pocket).
  • Property damage
    Liability protects you if your car damages someone else’s property. It also provides you with legal defense if another party files a lawsuit against you.
  • Rental car reimbursement
    Pays car rental expenses while your car is being repaired because of an accident.
  • Drive Other Car Coverage (DOC)
    Automobile coverage available for employees, executives, or any other person who is supplied a company vehicle, but who does not own a personal vehicle, and thus does not have coverage under a personal auto policy. An endorsement may be added to the automobile policy of the company that furnishes the automobile to give protection while the named individual or spouse is driving a car borrowed from a third party. The drive other car coverage is usually added at an additional premium charge.
  • Personal Injury Protection Coverage (PIP)
    A type of auto insurance coverage mandated by statute in some jurisdictions. The statutes typically require insurers to provide or offer to provide first-party benefits for medical expenses, loss of income, funeral expenses, and similar expenses without regard to fault. Coverages, limits, and each party’s responsibilities vary from state to state, as provided by law.

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