Liability coverage protects you in case of injury or damage to others. Here is an overview of the different types of liability coverage:
- Bodily Injury Liability: This coverage helps pay for medical expenses of the injured party. It also offers legal protection in case of a lawsuit, up to the limit stated in your policy.
- Property Damage Liability: If you damage someone else’s property, such as their car or mailbox, this coverage helps cover the costs of repairs or replacements, up to the limit stated in your policy.
- Personal Injury Protection (PIP): PIP coverage assists in covering medical expenses and related costs if you or your passengers are injured in an accident. Even if you are not at fault, you may need to open a claim with us for medical expenses covered by your PIP coverage.
- Uninsured/Underinsured Motorist: This coverage protects you if you’re in an accident with a driver who doesn’t have insurance or has insufficient coverage to pay for the damages.
- Collision Coverage: If your vehicle is damaged in a collision with another vehicle or object, collision coverage helps pay for repairs or replacement.
- Comprehensive Coverage: This coverage pays for the repair or replacement of your vehicle if it’s damaged by something other than a collision, such as theft or vandalism.
It is important to note that the coverage limit sets a maximum amount that can be paid, but it does not guarantee full payment in every situation. It is crucial to review and select coverage limits that align with your needs and potential risks.
Discuss your coverage with your agent to decide what works best for your needs.
Your agent’s contact information can be found by logging in to your customer portal.