A Closer Look at Car Insurance Coverage
Comprehensive Coverage – for damages caused by events other than a collision or rollover (for example, fire, theft, vandalism, hail or flooding).
Bodily Injury Liability – helps cover injuries to the driver and passengers of the other vehicle if you are at fault in an auto accident.
Property Damage Liability – helps cover damage to someone else’s property if you are at fault in an auto accident.
Uninsured Motorist Coverage – helps protect you if you are injured in an accident and the other driver is uninsured; also protects you if you are the victim of a hit-and-run driver or are struck by a vehicle as a pedestrian.
Underinsured Motorist Protection – helps pay for the balance when another driver causes more damage than his insurance covers.
Medical Expense Coverage – helps pay for medical care provided to you and your passengers as a result of a covered car accident, regardless of which driver is at fault.
Personal Injury Protection – helps reimburse you and your passengers for lost income, child care expenses and medical expenses if you’re hurt in a covered accident, regardless of which driver is at fault.