Personal Auto

Types of Insurances

• Liability coverage

  Liability coverage protects you if you are at fault in an accident and become responsible for someone else’s injury or property damage. Liability coverage provides several types of protection for you, including Bodily Injury Liability for each person, Bodily Injury Liability for each accident, and Property Damage Liability for each accident.

• Personal Injury Protection

  Personal Injury Protection, often referred to as PIP, is considered no-fault insurance. It can help pay for medical and non-medical expenses caused by a car accident for both you and your passengers, no matter who is at fault. Personal Injury Protection also provides coverage if you are injured in (or by) someone else’s car, or even as a pedestrian.

• Uninsured /
  Underinsured Coverage

  Uninsured / underinsured Motorist Coverage, often referred to as UM, protects you against other drivers who do not have insurance, or do not have enough insurance. It also covers damage caused by a hit-and-run accident.

• Collision Coverage

  Collision coverage helps pay for the cost to repair your vehicle if it’s hit by another vehicle. Collision coverage only applies to damage to your vehicle, meaning it does not apply to another person’s vehicle. Usually, damage to your vehicle by theft, vandalism, or fire is not covered by Collision coverage.

• Comprehensive Coverage

  Collision coverage helps pay for the cost to repair your vehicle if it’s hit by another vehicle. Collision coverage only applies to damage to your vehicle, meaning it does not apply to another person’s vehicle. Usually, damage to your vehicle by theft, vandalism, or fire is not covered by Collision coverage.

• Rental Coverage

  Rental Reimbursement coverage can help pay for a rental car while yours is being repaired due to a covered loss. Flexible limits are available to suit your needs.