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Bodily Injury Liability
Explanation: Coverage for injuries a covered driver causes to someone else
Example/Illustration: Injuries which result from an accident caused by a covered driver
State requirements: Required in most states
Property Damage Liability
Explanation: Coverage for damage a covered driver causes to someone else's property
Example/Illustration: Damage to someone else's vehicle
State requirements: Required in most states
Uninsured/Underinsured Motorists
Explanation: Funds to help pay for treatment of injuries caused by a collision with an uninsured motorist
Example/Illustration: May also be used if at-fault driver has inadequate liability insurance
State requirements: Required in some states, optional in others
Personal Injury Protection (PIP) also known as Medical Payments
Explanation: Funds to help pay for treatment of injuries caused to the driver and/or passengers of the policyholder's vehicle
Example/Illustration: May cover medical payments, lost wages, etc.
State requirements: Required in some states, optional in others
Collision
Explanation: Funds to repair damage caused to the policyholder's vehicle
Example/Illustration: Collision with another vehicle, tree, etc.
State requirements: Optional in most states
Comprehensive
Explanation: Funds to repair damage to the policyholder's vehicle that are not the result of an accident with another person's vehicle
Example/Illustration: Fire, theft, vandalism, glass breakage, etc.
State requirements: Optional in most states
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