Policies vary depending on the needs of the car owner, but the following coverage options are typically available:
Liability insurance helps insure against claims arising from damage or injuries you cause to others if you are at fault in a wreck.
Bodily injury liability coverage helps cover their medical bills (and, in some cases, deaths).
Property damage liability helps pay for damage to the other driver’s property, such as their car.
Collision insurance helps cover damage to your vehicle after a wreck.
Comprehensive Insurance helps pay for non-accident mishaps, such as weather damage.
Medical payments (MedPay) coverage helps pay for your medical bills and those of your passengers, regardless of who was at-fault for the accident.
Personal injury protection (PIP) coverage is similar to MedPay coverage, in that it helps to pay for your medical bills. However, it also provides wage replacement benefits and coverage for funeral costs following an accident, regardless of who is at fault.
Uninsured/underinsured Insurance helps insure you against damage caused by someone else who doesn’t have appropriate liability coverage.
There are other types of coverage, such as rental reimbursement and roadside assistance, to name a few. Talk with your agent today to find out what other lines of coverage may be right for you.