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Bodily Injury
- Bodily harm, including sickness, disease or death for which you may become legally responsible due to an auto accident.
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Collision Coverage
- Covers loss to your vehicle caused by collision with another vehicle or object.
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Comprehensive Coverage (Other than Collision)
- Covers physical damage to your vehicle for losses by fire, theft, vandalism, falling objects, and various other perils.
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Medical Payment Protection
- This coverage pays reasonable medical expenses for you or members of your family, up to the chosen limit, if you are injured in an auto accident or as a pedestrian struck by an auto. This protection is extended to others who are injured while occupying your auto.
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Personal Injury Protection Coverage (PIP)
- Provides coverage for injury, death, loss of services, and loss of income suffered by you and your passengers due to an auto accident. - no longer available benefit as of 7/1/2003
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Property Damage
- Offers protection against liability for damage to the property of another party. An example of property damage is the other person's vehicle.
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Rental Reimbursement
- Pays a stated maximum for rental costs should you need to rent a vehicle due to a covered loss.
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Towing
- Pays for towing and labor costs at a stated maximum in the event your vehicle is disabled.
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Uninsured Motorist Bodily Injury Liability (UM)
- Provides coverage up to stated limits when a covered person is involved in an accident with an uninsured motorist who is at fault for the accident.
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Uninsured Motorist Property Damage (UMPD)
- Pays for damages to your vehicle should an uninsured driver cause an accident resulting in damage to your vehicle.
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