Personal Injury or No Fault
Personal injury protection (PIP), or also referred to as “no-fault” coverage, is a car insurance extension that covers your (driver or policyholder) medical expenses and the passengers in your car as a result of a car accident. There are instances when PIP also includes coverage of other damages and even lost wages.
Uninsured Drivers Protection
Coverage for injuries and sometimes car repairs sustained by you, the policyholder, when hit by an uninsured or under-insured driver and especially by a hit-and-run accident.
Types of Auto Insurance Coverage
Liability for Bodily Injury
In the event of a serious accident that leads to at-fault injury or death, you want enough insurance to protect assets that may become subject to a lawsuit.
Reimbursement on Rental Vehicle
In the event that your vehicle is disabled in an accident for 24 hours or more, this coverage helps with the expenses of getting a car rental until your car gets fixed.
This is the coverage for your vehicle in the event of impact. It covers the cost of fixing or replacing your car. Deductibles are available to help lower premium.
Comprehensive Physical Damage
The comprehensive physical damage insurance is coverage for damages to your vehicle that is not related to a car collision. These damages can be anything from car theft, damage brought about by fire, flood, vandalism, hitting a deer, and others.
Property Damage Protection
After an at-fault accident, you may be liable for damages to the injured party’s property like fences, house, car, and others. With a property damage protection, you can mitigate these out-of-pocket costs and even the legal fees in the event of a lawsuit.