What kind of coverage does my auto insurance policy provide?

There are four main coverages in an auto insurance policy:

  • If you're at-fault in an auto accident, Liability Coverage provides you financial protection for your legal liability in the event you injure someone or damage someone else's property.
  • Medical Payments Coverage helps pay your own, or your passenger's, medical bills as a result of an auto accident, regardless of fault.
  • Uninsured Motorist Coverage protects you when the responsible party who is legally liable for the accident doesn't carry auto liability insurance and they've injured you or damaged your automobile. Some states also offer Underinsured Motorist Coverage. This coverage provides you protection in an accident if the responsible party injures you or damages your automobile but doesn't have enough insurance coverage to fully pay your medical bills or repair your car.
  • Physical Damage Coverage is the portion of your policy that pays to have your vehicle repaired after an automobile collision or some other occurrence, such as theft, vandalism, glass breakage, wind, fire, hail or flood.

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