6 Coverage Types
Vehicles are big investments. Protecting them in case of an accident — and protecting the people in and around them — can give you confidence on the road (lake, mountain…). Coverage may vary based on the vehicle: personal autos, boats, classic cars, RV, motorcycles, ATVs, snowmobiles and more.
1. Liability
Protects the owners or drivers of a vehicle for amounts they must pay due to an accident.
- Bodily Injury Liability – Protects you against financial loss if someone is injured or killed by your vehicle and you are found liable.
- Property Damage Liability – Pays for damage caused to someone else's property — usually another car, but may also include other damaged property.
2. Medical Payments
If individuals in your car are injured as the result of an accident, this coverage will pay for medical expenses.
3. Personal Injury Protection (PIP)
Pays for the treatment of injuries to the driver and passengers of the insured's car.
4. Collision
Covers damage to your vehicle if it collides with another vehicle or object.
5. Comprehensive
Pays for losses due to theft or damage caused by something other than a collision. This could include damage from hail, fire, earthquakes, floods, vandalism, animals and more.
6. Uninsured and Underinsured Motorist Coverage
Reimburses you, family members, or a designated driver if an accident occurs that involves someone who is uninsured or underinsured.