Auto


Happy Family Sitting In The Car And Their House Behind

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There are basically six different types of coverages. Some may be required by law. Others are optional. They are:

  1. Bodily injury liability, for injuries the policyholder causes to someone else.
  2. Medical payments of Personal Injury Protection (PIP), for treatment of injuries to the driver and passengers of the policyholder’s car.
  3. Property damage liability, for damage the policyholder causes to someone else’s property.
  4. Collision, for damage to the policyholder’s car from a collision.
  5. Comprehensive, for damage to the policyholder’s car not involving a collision with another car (including damage from fire, explosions, earthquakes, floods, riots, and theft).
  6. Uninsured motorists coverage, for costs resulting from an accident involving a hit-and-run or a driver who does not have insurance.

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