Personal Injury Protection (PIP)—Pays up to the policy limit for medical bills, loss of income, and funeral services resulting from an automobile accident. This coverage protects you, your family, anyone riding in your car, and anyone driving your car with your permission.
Medical Payments—Pays doctor, hospital, and surgical bills up to the limit of your policy for you or anyone riding in your car.
Uninsured & Underinsured Motorist—Pays for bodily injuries up to the limit of your policy for you, qualified family members, or any other person occupying your insured car. This coverage applies in accidents caused by an uninsured, underinsured, or hit-and-run driver if they are deemed liable.
Collision—Pays for accidental damage to your car caused by collision with any object.
Damage Other Than Collision—Pays for damage from such causes as vandalism, fire, falling objects, windstorms, floods, animals, and theft.
Towing & Labor Cost—Pays for reasonable towing and labor charges up to the limit of the policy if your car breaks down.
Rental Reimbursement—Pays for auto rental charges up to the limit of your policy while your car is repaired for damage caused by an insured loss. Damage must be more than the deductible.