Auto Insurance

• Liability Coverage: This component of auto insurance covers bodily injury and property damage for which the policyholder is legally responsible. It provides protection in the event that the policyholder causes an accident that results in injuries to others or damage to their property.
• Collision Coverage: Collision coverage pays for the cost of repairing or replacing the policyholder's vehicle if it is damaged in a collision with another vehicle or object, regardless of who is at fault.
• Comprehensive Coverage: Comprehensive coverage provides protection against non-collision events, such as theft, vandalism, natural disasters, and other incidents that can cause damage to the insured vehicle.
• Uninsured/Underinsured Motorist Coverage: This coverage protects the policyholder if they are involved in an accident with a driver who has little or no insurance. It can also provide coverage in hit-and-run accidents.
• Medical Payments Coverage (MedPay): MedPay covers medical expenses for the policyholder and passengers in the insured vehicle, regardless of who is at fault in an accident.
• Personal Injury Protection (PIP): PIP is similar to MedPay but often provides broader coverage, including medical expenses, lost wages, and other related costs.
• Rental Reimbursement: This optional coverage helps pay for the cost of renting a vehicle while the insured vehicle is being repaired due to a covered event.
• Towing and Labor Coverage: This optional coverage reimburses the policyholder for towing and labor costs if their vehicle breaks down or needs assistance.