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Coverage Name
Definition
Bodily Injury Liability

Pays for medical expenses, lost wages, and legal fees if you injure someone in an accident.

Property Damage Liability 

Covers damage to another person’s vehicle or property (e.g., fences, buildings).

Comprehensive Coverage 

Pays for damage to your vehicle from non-collision events, such as:

  • Theft
  • Vandalism
  • Fire
  • Natural disasters (hail, floods, hurricanes)
  • Animal collisions (hitting a deer)
Collision Coverage

Pays for damage to your own vehicle if you hit another car or object, regardless of fault.

Example: If you crash into a pole or another vehicle, collision coverage helps pay for your car’s repairs.

Uninsured/Underinsured Motorist Coverage

Covers your medical expenses and damages if you're hit by a driver who:

  • Has no insurance (Uninsured Motorist – UM)
  • Doesn’t have enough insurance to cover your costs (Underinsured Motorist – UIM)

Example: If an uninsured driver runs a red light and hits you, UM/UIM coverage can help pay your medical bills and car repairs.

Personal Injury Protection/Medical Payments 

PIP: Covers medical bills, lost wages, rehab, and essential services (like childcare) for you and your passengers—regardless of fault.

MedPay: Covers only medical expenses for you and your passengers—regardless of fault.

Example: If you're injured in a crash, PIP covers hospital bills, ambulance fees, lost wages, and more, while MedPay covers just the medical expenses.

Rental Car Reimbursement

Pays for a rental car while your vehicle is being repaired after a covered accident.

Example: If your car is in the shop for a week after a crash, this coverage helps you rent a car so you're not stranded.

Roadside Assistance

Covers emergency roadside services such as:

  • Towing
  • Battery jump-starts
  • Flat tire changes
  • Lockout assistance
  • Fuel delivery

Example: If your car breaks down on the highway, roadside assistance can help get you back on the road.

Gap Insurance

Covers the difference between your car’s actual cash value (ACV) and the amount you still owe on a loan or lease if the car is totaled.

Example: If you owe $20,000 on your car loan, but your car’s market value is only $17,000, gap insurance pays the remaining $3,000 if your car is totaled.

Deductible

A deductible is the amount you must pay out of pocket before your insurance company covers the remaining cost of a claim.

For example, if you have a $500 collision deductible and the repair cost is $3,000, you pay $500, and your insurance covers the remaining $2,500.