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There are 6 basic types of auto insurance
coverage available.
Bodily Injury Liability protects you in
the event that you cause an accident where
someone else is hurt.
Property Damage Liability covers you in
the event that you damage third party property,
such as another vehicle, a home or structure.
Physical Damage Coverage refers to the
actual damage to your vehicle.
Collision Coverage protects and covers
damage to your vehicle in the event of a
collision.
Personal Injury Protection, also referred
to as PIP, covers medical payments resulting
from injuries to yourself or other passengers in
your vehicle. PIP may also cover lost wages
and/or funeral expenses in some instances.
Uninsured and Underinsured Motorists Coverage
protects you in the event of an accident when
the other driver does not maintain ANY coverage
or have ADEQUATE coverage.
Motorcycle insurance coverage is similar to auto
insurance requirements, yet offers Guest
Passenger Liability riders, which protect
someone who chooses to ride on the back of your
bike.
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