Auto Insurance Basics

Collision—covers damage to your car caused by an accident with an object such as a street light or tree, or another vehicle. Collision insurance also provides protection if another driver or object hits your car while it’s parked.

Comprehensive—covers damage caused by accidents other than collisions. This includes theft, vandalism, fire, weather events like tornadoes, falling objects, damage from animals, and more. As with all insurance policies, you should check with your insurance agent to make sure what perils are included under your auto insurance policy.

Liability—protects you in the event you injure another person, and/or damage another person’s property, and that person makes a claim against you for medical bills or sues you for damages.

Medical Payments—covers medical expenses for you and your passengers.

Uninsured/Underinsured Motorists—protects you and your passengers in the event that you are seriously injured by an uninsured driver, or a driver who does not have enough insurance to pay for all your losses and damages. For example, a driver hits you and only has $250,000 in coverage, but the medical bills and other costs total $500,000. Your insurance would pay the remaining $250,000 to cover that gap.