Car Insurance Coverage Types

Bodily Injury/Liability – Coverage for if you are found at fault for an accident.

Personal Injury Protection (PIP) – Coverage that pays for your medical bills regardless of who is at fault for an accident.

Uninsured (UM) – Coverage for if someone else is at fault for the accident and they do not have bodily injury/liability insurance to compensate you for your injuries. This claim is made against your own insurance company.

Underinsured (UIM) – Coverage for if someone else is at fault for the accident and their bodily injury/liability insurance limits are not enough to compensate you for your injuries. This claim is made against your own insurance company.

Property Damage – Coverage that pays for damage done to your vehicle.

Comprehensive – Coverage for non-collision damage caused to your vehicle such as theft, vandalism, accidents with animals, fire, or other acts of nature.