Bodily Injury Protection
Protects you against financial loss if someone is killed or injured by your auto and you are found liable. Your legal expenses and court costs would also be included for a covered suit, as would your bail bond expenses.

Example: During your morning commute, the vehicle in front of you stops fast and you are unable to avoid hitting it. Your Bodily Injury Protection will cover injuries sustained by those in the car you struck.

Recommended Limit: A minimum split limit of $100,000/$300,000 or a single limit of $300,000

Property Damage Liability
Covers you against financial loss if you are found liable for damage to other people's property caused by your auto.
Example: Following the Bodily Injury example, any damage done to the other driver's vehicle would be covered by Property Damage Liability coverage.

Recommended Limit: A minimum of $50,000

Uninsured Motorist Coverage
Pays damages for bodily injury or death caused by an uninsured driver or hit and run driver who is legally responsible for the accident.
Example: A vehicle running a red light hits you on the passenger side of your vehicle. You require medical attention. Unfortunately, the other driver does not have insurance. Your Uninsured Motorist will cover you to the limits on your policy.

Recommended Limit: A split limit of $100,000/$300,000 or a single limit of $300,000

Underinsured Motorist
This coverage pays benefits for bodily injury or death caused by an insured driver whose Liability coverage limit is insufficient to cover the losses incurred. The benefits are paid to you and passengers in your vehicle, or to any pedestrian you injure.
Example: Following the Uninsured Motorist coverage example: what if the other driver is insured for only $20,000 and your medical bills are $40,000? Underinsured Motorist coverage will protect you for any excess medical costs up to the limit listed in you policy.

Recommended Limit: A split limit of $100,000/$300,000 or a single limit of $300,000

Personal Injury Protection (No-fault)
Pays benefits for the cost of injuries to you or your passengers resulting from an automobile accident. This coverage applies without regard to who was at fault in the accident. It also applies to you and relatives living in your household who are injured in other automobiles or who are struck by a vehicle while a pedestrian. The benefit of this coverage is that in an accident each driver's coverage would pay for their own injuries without having to wait for lawsuits to be settled. Many states require that you carry Personal Injury Protection.
Example: A vehicle pulls out from a side street and, unable to stop in time, you hit it. Each driver's Personal Injury Protection coverage would pay for the cost of any injuries resulting form the accident.

Recommended Limit: $50,000 minimum

Medical or No-fault Coverage
Pays up to your policy limit for reasonable medical expenses incurred within three years of an accident. Medical payments Coverage applies to everyone in your auto. In many states you may choose your own Medical Payments Coverage limit.
Example: Medical Payments would also apply in the Personal Injury Protection example. The tow coverages pay for medical expenses, and depending on what state you live in, either or both coverages may apply.

Recommended Limit: $5,000 minimum

Collision
Pays the actual cash value of damages to your covered auto (up to the auto's actual cash value) caused by an impact with another vehicle or object. The amount of your deductible will be subtracted from any settlement. You may want to consider this coverage if your auto is seven years old or newer.
Example: While backing out of a tight parking space, you hit the vehicle next to you. Your collision coverage will pay for damages to your vehicle, beyond your deductible, caused by the impact.

Recommended Limit: Recommended for vehicles 7 years old and newer with a deductible that is financially comfortable for you.

Comprehensive
Pays for losses to your covered auto (up to its actual cash value) which are not caused by collision. This includes damage caused by fire, theft, glass breakage, riot, windstorm and hail. The amount of your deductible will be subtracted from any settlement.
Example: Vandals break your windshield and spray paint on you car. Comprehensive coverage will pay to restore your vehicle to the condition it was in prior to the incident. You pay only the deductible amount.

Recommended Limit: Recommended for vehicles 10 years old and newer, with a deductible that is financially comfortable to you.

The program features or coverage descriptions above are general and for information purposes only. Actual claim coverage in the event of a loss would be determined by your policy's terms and conditions.