What is Auto Insurance ?
Auto insurance provides financial protection against physical damage and bodily injury resulting from traffic collisions and against liability that could also arise therefrom.
Auto insurance may also offers financial protection against theft of the vehicle and damage to the vehicle, sustained from things other than traffic collisions.
Auto Insurance Coverages
There are 6 different types of coverages in your policy. Some may be required by law others are optional:
Bodily injury liability for injuries the policyholder causes to someone else.
Personal Injury Protection or call PIP for treatment of injuries to the driver and passengers of the policyholder’s vehicle.
Property damage liability for damage the policyholder causes to someone else’s property.
Collision for damage to the policyholder’s car from a collision.
Comprehensive for damage to the policyholder’s car not involving a collision with another car including damage from fire, explosions, earthquakes, floods, and riots, and theft.
Uninsured motorists coverage for costs resulting from an accident involving a hit-and-run driver or a driver who does not have insurance.