What Does Personal Auto Insurance Cover?

Personal auto insurance covers various aspects of your vehicle and driving. Here are the key components typically covered by personal auto insurance:

• Liability coverage: This coverage pays for injuries and property damage caused to others if you're found responsible for an accident. It includes bodily injury liability (covering medical expenses, lost wages, and legal fees) and property damage liability (covering repair costs for damaged property).

• Collision coverage: If your vehicle is damaged due to a collision with another vehicle or object, collision coverage helps pay for the repairs or provides the actual cash value if the vehicle is totaled.

• Comprehensive coverage: This coverage protects your vehicle from non-collision incidents, such as theft, vandalism, natural disasters, falling objects, and fire. It covers the cost of repairs or provides the actual cash value if the vehicle is stolen or damaged beyond repair.

• Personal injury protection (PIP) or medical payments coverage: PIP covers medical expenses for you and your passengers regardless of who is at fault in an accident. Medical payments coverage specifically covers medical expenses for you and your passengers, but it may have more limited coverage compared to PIP.

• Uninsured/underinsured motorist coverage: If you're involved in an accident with a driver who has no insurance or inadequate insurance to cover your expenses, this coverage helps pay for your medical bills and property damage.

It's important to note that coverage limits and options can vary depending on the insurance company and policy. Additionally, personal auto insurance typically covers private passenger vehicles used for personal purposes, and separate commercial auto insurance is required for vehicles used for business purposes.

To ensure you have the right coverage, it's recommended to review your policy, understand the terms and exclusions, and consult with our insurance agents to tailor your coverage to your specific needs.