Medical Payments & PIP (Personal Injury Protection) - provides coverage for treatment of injury of the driver and passengers of the policyholder’s car. This type of coverage might cover medical payments, lost wages and or cost of replacing services provided by someone injured in an accident. Additional expenses may also be covered.

Property Damage Liability - This coverage pays for damage you (or someone driving the car with your permission) may cause to someone else's property. This usually means damage to someone else’s car, but it also includes damage to other structures your automobile may have hit.

Comprehensive Coverage - This coverage provides for reimbursement for loss you incur due to theft or fire or damage caused by something other than a collision with an animal. Comprehensive coverage is usually sold with a $100 to $500 deductible. Comprehensive coverage may or may not include glass coverage for broken/cracked windows/windshields with no deductible.

Collision - This coverage pays for damage to your automobile resulting from a collision. Collision coverage is generally sold with a deductible of $100 to $1,000. Even if you are at fault for the accident, your collision coverage will reimburse you for the costs of repairing your car, less the deductible. If you are not at fault, your insurance company may try to recover the amount they paid you from the other driver’s insurance company. If they are successful, you will also be reimbursed for the deductible.

Uninsured/Underinsured Motorist Coverage – Since not all drivers do the right thing, this protective coverage will provide you with added insurance should a driver that is involved in an accident with you not have insurance or adequate coverage for damages. This coverage also provides for protection in the instance of a “hit and run” driver who collides with your vehicle or if you are hit as a pedestrian.