Personal
Auto

Drivers in every state are required to have auto liability insurance, including bodily injury and property damage.

Car insurance liability requirements vary by state, and include a minimum amount for bodily injury per person and per accident as well as a minimum for property damage liability.

If you cause an accident, liability coverage pays those costs, up to the limits set for your policy.

If you cause an accident, liability coverage pays those costs, up to the limits set for your policy.

Depending upon your specific needs and risks, you may also want comprehensive coverage – now known as “other than collision.

” Together, collision and comprehensive can provide protection for everything from accidents to theft and vandalism.

Coverages

There are three primary types of insurance coverage:

There are also several different types of coverage which may be available to you, including:

Medical payments
Covers the costs of injuries for you and others in your vehicle after an accident, regardless of who was at fault.

Rental reimbursement
Pays a certain amount daily for a replacement vehicle if yours is in the shop for repairs.

Personal injury protection (PIP)
Covers the costs of injuries for you and others in your vehicle after an accident, regardless of who was at fault.

Towing and roadside service
Provides emergency roadside assistance and towing to help you get your vehicle back on the road or to a shop for repair.

As you consider your policy needs, it is important to keep the coverage limits in mind. The costs of a severe crash can quickly exceed the limits. If that occurs, you will have to pay for costs out of your own pocket.

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