LIABILITY COVERAGE

Pays: Other people’s expenses for accidents caused by drivers covered by your policy, up to your policy’s dollar limits. These may include the other person’s medical and funeral costs, lost wages, and compensation for pain and suffering; car repair or replacement costs; auto rental while the other driver’s car is being repaired; and punitive damages awarded by a court. Liability insurance also pays your attorney fees if someone sues you because of the accident and bail up to $250 if you are arrested.

MEDICAL PAYMENTS COVERAGE

Pays: Medical and funeral bills resulting from accidents, including those in which the other person is a pedestrian or bicyclist.

PERSONAL INJURY COVERAGE (PIP)

Pays: Same as medical payments coverage, plus 80 percent of lost income and the cost of hiring a caregiver for an injured person.

UNINSURED/UNDERINSURED MOTORIST (UM/UIM) COVERAGE

Pays: Your expenses from an accident caused by an uninsured motorist or a motorist who did not have enough insurance to cover your bills, up to your policy’s dollar limits. Also pays for accidents caused by a hit-and-run driver if you reported the accident promptly to police. Bodily injury UM/UIM pays without deductibles for medical bills, lost wages, pain and suffering, disfigurement, and permanent or partial disability. Property damage UM/UIM pays for auto repairs, a rental car, and damage to items in your car. There is an automatic $250 deductible. This means you must pay the first $250 of the repairs yourself.

COLLISION (DAMAGE TO YOUR CAR OR AUTO) COVERAGE

Pays: The cost of repairing or replacing your car after an accident. Payment is limited to your car’s actual cash value, minus your deductible. Actual cash value is the market value of a car like yours without damages.

COMPREHENSIVE (PHYSICAL DAMAGE OTHER THAN COLLISION) COVERAGE

Pays: The cost of replacing or repairing your car if it is stolen or damaged by fire, vandalism, hail, or a cause other than collision. Comprehensive coverage also pays for a rental car or other temporary transportation if your car is stolen. Your policy won’t pay for an auto theft unless you report it to police. Payment is limited to your car’s actual cash value, minus your deductible.

TOWING & LABOR COVERAGE

Pays: Towing charges when your car can’t be driven. Also pays labor charges, such as changing a tire, at the location where your car became immobile.

RENTAL REIMBURSEMENT COVERAGE

Pays: A set daily amount for a rental car if your car is stolen or is being repaired because of damage covered by your policy.