The basic types of auto insurance coverage include:

Bodily Injury Liability Coverage - covers injuries that you may cause to another individual.

Property Damage Liability Coverage - covers damage you may cause to someone else’s property.

Combined Single Limit Coverage - combines the coverages described above for Bodily Injury and Property Damage Liability.

Medical Payment Coverage - covers medical expenses for injuries to yourself, your passengers and others, no matter who is at fault. It also covers any kind of accident involving an automobile whether you are walking or on a bicycle.

Personal Injury Protection Coverage (PIP) - is no-fault coverage. It reimburses accident victims for payments and PIP premiums if your medical expenses, lost wages and pays for services their injuries prevent them from performing.

CollisionCoverage - covers damage to your own automobile in an accident.

Comprehensive Coverage - covers “non-collision” damage such as fire, break-ins, vandalism or theft and natural disasters.

Uninsured or Underinsured Motorist Coverage - protects you if you are injured in an accident with someone who has no liability or insufficient liability coverage.

Auto Loan Lease Gap Coverage - pays unpaid amount due on the lease or loan for your vehicle in the event of a total loss.

Repair or Replacement Collision Coverage - pays for the repair or replacement of your vehicle whether or not the repair costs exceed its actual cash value.

Extended Transportation Expense Coverage - pays you for loss - of- use of your car due to a covered incident.

Towing and Labor Coverage - pays the towing and labor costs each time your auto is disabled. We will only pay for labor performed at the place of disablement.