Liability: Pays for medical bills and property damage to others if you’re at fault in an accident.
Collision: Covers damage to your vehicle if you collide with another object.
Comprehensive: Covers damage from theft, vandalism, weather events, and other non-collision related incidents.
Medical payments: Covers medical expenses for drivers and passengers in your vehicle, regardless of fault.
Uninsured/underinsured motorist: Covers costs if you’re hit by a driver with no or insufficient insurance.

Hired and non-owned auto: Covers vehicles you use for business but don’t own.
General liability: Covers broader business-related liability beyond your vehicles.
Workers’ compensation: Covers medical expenses and lost wages for employees injured on the job.

Deductible – The amount of the loss that the policyholder is responsible to pay up-front before covered benefits from the insurance company are payable. This is applicable to comprehensive or collision coverage only.

Coverage for a policyholder’s legal liability resulting from injuries to other persons or damage to their property.

Intentional acts, employee personal use of vehicles, wear and tear, mechanical breakdowns.

Pays for damage to your car caused by reason other than collision, such as fire, theft, vandalism, windstorm, flood, et cetera.

Provides coverage for a policyholder involved in a collision with a driver who does not have liability insurance or who does not have sufficient liability limits to pay for damages. UMC comes in two parts: uninsured motorist bodily injury (UMBI) and uninsured motorist property damage (UMPD). UMBI coverage pays for injuries to you or any person in your car when there is a collision with an uninsured driver. UMPD coverage pays for the property damage to your car when there is a collision with an identified uninsured driver. UMC must be offered when you purchase liability coverage for your auto. If you decline UMC, you must sign a declination waiver.

Medical Payments Coverage – Covers the medical costs (up to the specified limit) resulting from an auto accident for you, your family, or others in your car. This coverage pays regardless of fault.

This coverage pays your expenses to rent an auto if you have a loss covered under Comprehensive or Collision benefits. Coverage is sold based on a daily amount of expense subject to a maximum limit.

Pays for damage to your car caused by physical contact with another vehicle or with another object, such as a tree, boulder, guardrail, structure, or person.