Insurance Coverages

When comparing different auto insurance quotes make sure you compare plans with the same terms.

Here are the common coverages on most auto insurance plans :

Bodily Injury Liability
- Pays your legal bills and claims against you if your car is involved in the injury or death of another person. The coverage extends to others driving your car if they are using the car with your permission.

Medical Payments
- Pays accident-related medical expenses for you and your passengers. Also pays if you or your family members are injured while riding in another's car or are struck by a car while walking.

Uninsured/Underinsured Motorist
- Pays for costs related to property damage or injuries to you, your family members, or guests in your car if the damage or injuries are caused by an uninsured, underinsured, or hit-and-run driver.

Property Damage Liability
- Pays your legal defense costs and claims against you if your car is involved in damage to another's property. Does not cover your property, including you auto.

Collision
- Covers damage to your car caused by a collision with another vehicle or any other object, regardless of whom was responsible.

Comprehensive Physical Damage
- Covers damages to your car resulting from theft, fire, hail, vandalism, or a variety of other causes.

We've also included a dedicated page to each major coverage type including add-ons for your insurance policy.

Related Article: Liability Coverage >>