Bodily Injury Liability Coverage- Covers injuries that you may cause to another.
Property Damage Liability Coverage- Covers damage you may cause to someone else’s property. (state mandated coverage)
Combined Single Limit Coverage- Combines the coverage described above for Bodily Injury and Property Damage Liability.
Medical Payment Coverage- Covers medical expenses for injuries to yourself, your passengers and other, no matter who is at fault. It also covers any kind of accident involving an automobile whether you are walking or on a bicycle. (Optional Coverage)
Personal Injury Protection Coverage (PIP) – Is no- fault coverage. It reimburses accident victims to payments and PIP premiums if your medical expenses, lost wages, and pays for services their injuries prevent them from performing. (State Mandated)
Collision Coverage- Covers damage to your own automobile in an accident. (Optional if not financing or leasing a vehicle)
Comprehensive Coverage- Covers “non-collision” damage such as fire, break-ins, vandalism or theft and natural disasters. (Optional if not financing or leasing the vehicle)
Uninsured or Underinsured Motorist Coverage- Protects you if you are injured in an accident with someone who has no liability or insufficient liability coverage. (Optional Coverage)
Auto Loan Lease Gap Coverage- Pays unpaid amount due on the lease or loan for your vehicle in the event of a total loss. Only sold with certain carriers. (Not available with all companies)
Repair or Replacement Collision Coverage- Pays for the repair or replacement of your vehicle whether or not the repair costs exceed its actual cash value. (Optional Coverage)
Extended Transportation Expense Coverage- Pays you for loss-of-use of your car due to a covered incident. (Optional Coverage)
Towing and Labor Coverage- Pays the towing and labor costs each time your auto is disables. We will only pay for labor performed at the place of disablement. (Optional Coverage)