What exactly are the types of coverage included in a standard personal auto policy?
Bodily Injury Liability- Pay for medical expenses, legal expenses, and judgment against you when you or your car is involved in an accident that causes the injury or death of another person.
Property Damage Liability- Pays for damages to the property of others, caused by you or your vehicle.
Uninsured/Underinsured Motorist (UM/UIM)- Covers the costs associated with damage or injury caused by an uninsured, underinsured, or hit-and-run driver.
Medical Payments- Covers the medical bills of you and your passengers after an auto accident, regardless of who is at fault.
Collision- Covers the damage to your vehicle resulting from a collision, regardless of who is responsible. Collision coverage requires the payment of a deductible by the insured.
Comprehensive Physical Damage – Pays for damage to your car that is not the result of an auto accident, such as theft, vandalism, fire, hail, natural disasters, hitting a deer, etc. Comprehensive coverage also requires a deductible, and will only pay as much as the car was worth before sustaining the damage.
