In most states, liability coverage is mandatory. All
other coverage's are optional. If your car is leased or
financed, you may be required to buy certain coverage
› Collision: Collision coverage pays
for damages if your vehicle overturns or if it collides
with another vehicle or object. Collision coverage is
subject to a deductible amount that you choose. The most
frequently selected deductible amount is $500. Select a
amount that you are comfortable with — if there is a
Collision claim on your policy, this will be the amount
you’ll generally be required to pay.
› Comprehensive: Comprehensive coverage
pays for damage caused by an event other than a car
collision, such as fire, theft, vandalism, hail or
flood. Comprehensive also covers damage from hitting an
animal and covers the cost of a rental if your car is
Comprehensive coverage is also subject to a deductible
amount - usually the same amount you choose for
› Liability: Bodily Injury and Property
Damage (BI/PD) liability covers your legal liability, up
to the limits you select, for damages caused in a
covered vehicle accident. If your insurance company
cover an accident for which you’re sued, your company
will pay for a lawyer
to defend you. You choose your liability limits as
either Split Limits or a Combined Single Limit (CSL).
Split Limits divide Bodily Injury liability limits per
person and per accident. (For example, $100,000/$300,000
means that they will pay for up to $100,000 for Bodily
Injury liability per person in a covered crash and up to
$300,000 per crash.) For Property Damage, they will pay
up to the limit you select per accident. CSL combines
your liability coverage
into one total limit per accident ($300,000).
› Personal Injury Protection: Personal
Injury Protection (PIP) is available in certain states
and is commonly referred to as “no-fault insurance.” PIP
covers your medical bills and often lost wages. PIP
usually also covers the cost of personal services you
must pay someone else to do for you as a result of a car
› Medical Payments: Medical Payments
coverage applies no matter who is at fault and covers
the cost of reasonable and necessary medical care
provided to you as a result of a car accident.
› Uninsured/Underinsured Motorist:
Uninsured/Underinsured Motorist coverage pays for
damages that you are legally entitled to recover for
your bodily injury. In general, this coverage provides
what you would have received from the other person’s
insurance company if that person had insurance. This
coverage may also protect you if the person who caused
the damage does not have enough insurance.
› Rental Reimbursement: If you buy
Rental Reimbursement coverage, your insurance company
will reimburse you for rental car charges incurred while
your vehicle is being repaired after a covered accident.
You can only buy Rental Reimbursement coverage if you
buy Collision and Comprehensive.
› Roadside Assistance: Roadside
Assistance covers labor costs incurred at the place
where your vehicle becomes disabled as a result of a
mechanical/electrical breakdown, dead battery, flat
tire, and/or lock-out.