Liability Protection

Liability coverage offers financial protection if you are responsible for an automobile accident. It covers medical expenses for injuries sustained by other people and pays for damage to their property. This type of coverage ensures that you are protected against the costs associated with claims made against you when you are at fault in an accident.

Medical Costs Coverage

Medical Payments coverage helps pay for medical expenses (up to a specified limit) for you and your passengers if you’re injured in an automobile accident, regardless of who is at fault. This coverage can assist with costs such as hospital bills and doctor visits. If you have existing health insurance, you might find that this coverage is not necessary, as your health insurance may already provide similar protection.

Personal Injury Protection (PIP)

Personal Injury Protection (PIP) covers medical costs for injuries sustained by you and your passengers, but it does not cover costs for accidents. PIP can help you pay for medical expenses if you’re injured in an accident, but it does not cover the financial costs associated with accidents. If you have existing health insurance, you might find that this coverage is not necessary, as your health insurance may already provide similar protection.

Uninsured/Underinsured Motorist coverage

Uninsured/Underinsured Motorist coverage is a type of liability coverage that allows you to pay for medical expenses for injuries sustained by other people while not having to pay the full cost of the accident. Uninsured/Underinsured Motorist coverage can help you pay for medical expenses if you’re injured in an accident, but it does not cover the financial costs associated with accidents. If you have existing health insurance, you might find that this coverage is not necessary, as your health insurance may already provide similar protection.

Towing coverage

Towing coverage allows you to pay for the cost of towing your vehicle when you’re injured in an accident. If you have existing health insurance, you might find that this coverage is not necessary, as your health insurance may already provide similar protection.

Optional coverage

Optional or special coverage refers to additional insurance protections you can choose to include in your policy to tailor coverage to your specific needs. These coverages go beyond standard auto insurance and can provide extra security for various situations.

For example, you might opt for roadside assistance to get help with emergencies like breakdowns or flat tires. Rental car reimbursement covers the cost of a rental vehicle while your car is being repaired after an accident. Gap insurance pays the difference between what you owe on your auto loan and the actual cash value of your car if it's totaled. Other special coverages might include custom equipment coverage for aftermarket modifications or new car replacement if your new vehicle is totaled.

Adding these optional coverages can enhance your protection and provide peace of mind, knowing you’re covered in a wider range of scenarios.

Financial situation

Determining how much insurance coverage you need depends on factors like state requirements, the value of your vehicle, and your financial situation. Consider your ability to handle out-of-pocket expenses, the value of your assets, and whether you have sufficient health insurance. Optional coverages may also be worth exploring based on your specific needs. Consulting with an insurance professional can help you tailor your coverage to provide the right balance of protection.