COMPREHENSIVE COVERAGE This type of auto insurance coverage is used the event damage is not caused by a collision. Situations like fire, flooding, theft and hitting an animal would be covered on this type of policy addition.
UNINSURED MOTORIST
If the other party in the accident does not have insurance
uninsured motorist coverage can be a life saver. This can
also be used in instances where you are the victim of a
hit-and-run driver.
TOWING/RENTAL CAR
Most policies offer a towing and rental car reimbursement
add-on. This is one of the things you rarely consider until
you have an accident or car break down. This coverage
can be a valuable piece of mind for your family.
BODILY INJURY LIABILIT
If your actions are found to be the cause of an accident
this covers the cost of injuries, and even death that is
caused to someone else.Be sure you have the right
amount of coverage and the proper deductible.
PROPERTY DAMAGE LIABILITY
If your actions are found to be the cause of an accident
this covers the cost of property damage including other
cars, fences etc.. Often the state minimum coverage
amounts are not enough in an accident.
PERSONAL INJURY PROTECTION(PIP)
PIP insurance will cover the treatment of your passenger's injuries. In many cases,
it can also cover things like lost wages, and the cost of helping the passenger
perform day to day duties that the injury prevents them from doing. This is what is
known as a 'no fault coverage, as this is paid whether the driver is found to be the
cause of the accident or not.
COLLISION COVERAGE
Should you hit another car or even lose control on a slick
road and hit a tree, this type of coverage would kick in
to help pay for the repairs.