Liability Coverage can cover the other person’s injuries or property damage in the event of an accident and is required in most states. Liability Coverage does not pay for any of your expenses if you are at-fault in an accident.

Comprehensive coverage, sometimes called “other than collision,” can cover you if your vehicle sustains a loss as the result of an act of nature or an unexpected event such as fire, theft, hail, or contact with an animal. Collision coverage can cover you if your vehicle sustains a loss as the result of an impact with another vehicle or object as well as accidental upset (rolling, flipping, etc). Keep in mind that your deductibles will apply.

Rental reimbursement can provide you with a loaner vehicle while your car is in the shop due to a covered comprehensive or collision claim.

Personal Injury Protection and Medical Payments are first-party coverages that pay for reasonable and necessary medical expenses and funeral services resulting from a motor vehicle accident regardless of fault.

Uninsured motorist (UM) and Under Insured Motorist (UIM) are first-party coverages, meaning that the payout is for the insured drivers on the policy, NOT for the other driver. This coverage comes in to play when the other party: (a) doesn’t have the insurance (b) doesn’t have enough insurance to cover the damage they caused (c) isn’t present or has committed a hit and run.