Types of Coverage

Liability Coverage

If you are responsible for an accident, your insurance company pays your liability for the damages. Bodily Injury Liability pays if you injure someone. Property Damage Liability pays for repairing or replacing property of others you damaged.

Collision Coverage

If you are in an accident and your car is damaged, collision insurance pays for the repairs. When financing a new or used car, the lending institution will generally require this coverage.

Comprehensive Coverage

This coverage is for damage caused by a variety of events that are typically out of your control. For example, you collect on comprehensive insurance if your car is stolen, vandalized, burns, or hits an animal. Comprehensive insurance also pays for repairing or replacing vehicle windows.

Uninsured Motorist (UM) Coverage

If the other driver is at fault for an accident, Uninsured Motorist coverage protects you and your family if injured by a hit-and-run motorist or a driver who has not purchased liability insurance.

Underinsured Motorist (UIM) Coverage

If the other driver is at fault for an accident, Underinsured Motorist coverage protects you and your family up to your coverage limits if the at-fault driver does not have enough liability protection to pay for your injuries.

Medical Coverage

If you or your passengers are injured in an accident, medical coverage pays for hospital, doctor, and other medical bills regardless of who caused the accident.

Rental Car Coverage

This coverage can be used to pay for a rental car when your vehicle is damaged and inoperable for a specified period of time.

Towing Coverage

This coverage pays for towing expenses when your car is damaged or disabled.