Home Insurance Life Insurance Claims Service Customer Service Financial Services Office Locator Thinking About Coverage 1. Bodily Injury Liability coverage pays for injuries you or anyone covered under your policy caused to others. Medical Payments coverage pays for reasonable medical expense suffered by you or passengers in your car regardless of who caused the accident.
Some states require that passengers first seek reimbursement under their own automobile policy.
Your local claims office can advise you of the details of the coverage in your state. Property Damage Liability insurance is protection for the cost of damage you cause to the property of others. Collision insurance covers damage to your own car caused by a crash or upset, less any deductible. This is a personal decision. You may want to consider the value of your car or the amount of loss you can personally assume.