Back to top Personal Injury Protection Coverage is no-fault coverage. It reimburses accident victims for medical expenses, lost wages and pays for services that their injuries prevent them from performing. Underinsured Motorists Coverage pays for your damages after the other driver's coverage has been exhausted. This is protection against drivers who have some liability insurance, but not enough to cover your claim. Back to top Collision Coverage pays to fix your car if it is involved in a collision with another vehicle or object.
Coverage pays for damage resulting from such things as fires, falling trees, earthquakes and theft.
Defensive Driver Discount lowers your rate if you have successfully completed a state-approved defensive driving course within the past three years. The coverages and discounts may vary in some states. These brief descriptions are not meant to be complete definitions of insurance coverage offered under this program. Full descriptions are provided as part of your policy.