Auto & Motor Vehicle Insurance

Bodily Injury Liability – When you are at fault in an accident, bodily injury liability will pay for the other party’s injuries and hospital bills.

Property Damage Liability – When you are at fault, property damage liability will pay for damage to the other party’s car or other property.

Uninsured Motorist – pays medical bills, loss of income, and pain and suffering when you are injured by an Uninsured driver. You collect from your own policy that which you can not collect from them.

Comprehensive – pays when your car is stolen, damaged from fire, vandalism or flooding. It also covers your car’s glass. Usually subject to a deductible.

Collision – if your car is damaged in an accident, collision will repair the damage to your car. Usually subject to a deductible.

Rental Car Reimbursement – pays a daily benefit to rent a temporary replacement vehicle while your car is being fixed.

Personal Injury Protection (PIP) – pays the first $10,000 of injury to you, no matter who is at fault. It pays for medical bills, loss of income, and death.

Roadside Coverage – will pay to tow your car to a repair facility if it breaks down mechanically.