Auto Insurance

Auto Insurance Basics: What is Covered?


If you’re at fault in an accident that’s covered by your policy, and other people (or property) are injured or damaged, Liability coverage helps protect you from the cost of these damages.

Medical Payments

If you’re in a covered accident, this Medical Payments option helps pay for any reasonable and necessary medical bills.

Uninsured/Underinsured Motorist

If a driver with little or no insurance damages your car, or injures you or someone riding with you, this coverage option can help cover repairs and expenses. (This is subject to certain limitations, however, so check your individual policy, or talk to your agent for more details).

Collision Coverage

This option helps protect you from repair costs to your car if you’re involved in a covered accident. Considering it’s a covered loss (that’s insurance-speak for an accident that’s specifically covered by your policy), Collision helps pay for the repairs needed to get your car back on the road.

Comprehensive Coverage

This option helps protect your car in covered situations that don’t necessarily involve other drivers or vehicles. If your car’s damaged by a storm, vandalism, or passive object (such as a tree or a post in a parking garage) which fell and was not caused by collision, Comprehensive can help keep you covered.

Personal Injury Protection

Helps reimburse you for lost income, child care expenses, medical expenses, and other similar things if you’re hurt in a covered accident. (Personal Injury protection is not available in some states, and the amount of reimbursement is based on the coverage you purchase.)

Optional Coverage

Can boost convenience and peace of mind, whether it’s with our Towing and Labor-Cost Coverage, Rental Car Reimbursement Coverage, Sound System Coverage, or Tape/CD Coverage. The choice is yours.

*** Custom sound systems and/or DVD players added after the vehicle leaves the factory must have additional coverage added to the auto policy to have coverage in most instances.