The medical costs of injury that you cause to other people, loss of income for someone you injure and the cost of your legal defense if you are sued and determined to be at fault in the event of an accident involving injury or death
Property Damage Liability
Claims against you for damage to someone else’s property caused by the auto.
Your legal costs if your car damages someone else's car or property
Collision
Pays for damage to your car caused by collision or rollover
Comprehensive (Other than collision)
Pays for damage to your car from disasters such as theft, fire, vandalism, flood and hail
Medical Payments/PIP
Covers the cost of doctors, hospitals, medical care, lost wages, replacement services and funeral expenses for you and/or your passengers, regardless of who caused the accident (Payments are generally stopped two years after the accident.) Coverage varies by state.
Uninsured/Underinsured Motorist Protection
Covers the cost of injuries or death for you or your passengers in an accident caused by an uninsured or hit-and-run driver.
Covers you as a pedestrian for these same events
Covers expenses not adequately covered by an underinsured driver.