What Coverages Are Available To You

Auto insurance policies typically offer several types of coverage options to protect drivers and their vehicles from various risks. The most common types of coverage available for auto insurance policies include:

• Liability Coverage: This coverage protects the policyholder in the event they cause an accident that results in property damage or bodily injury to another person. It typically includes both bodily injury liability and property damage liability.
• Collision Coverage: This coverage pays for damages to the policyholder’s vehicle in the event of a collision with another vehicle or object.
• Comprehensive Coverage: This coverage pays for damages to the policyholder’s vehicle caused by non-collision events such as theft, vandalism, or natural disasters.
• Personal Injury Protection (PIP): This coverage provides medical expenses and lost wages coverage for the policyholder and their passengers in the event of an accident, regardless of who was at fault.
• Uninsured/Underinsured Motorist Coverage: This coverage protects the policyholder if they are involved in an accident with someone who doesn’t have enough insurance or no insurance at all.
• Roadside Assistance: This coverage provides assistance if the policyholder’s vehicle breaks down or if they need help with a flat tire, dead battery, or other roadside emergencies.
• Rental Reimbursement: This coverage provides reimbursement for the cost of renting a replacement vehicle while your own vehicle is being repaired or replaced after an accident.