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| Auto | Home | Motorcycle | Watercraft |
| Auto Insurance When you buy auto insurance, the policy provides a package of individual coverage. Each coverage protects you against different types of losses. You decide which coverage and limits of coverage to include in your policy. Bodily Injury (BI) Liability Coverage pays for bodily injury or death of others in a vehicle accident for which you or the operator of your vehicle are legally responsible. Property Damage (PD) Liability Coverage pays for vehicles or property that has been damaged in an accident for which you or the operator of your vehicle is legally responsible. Medical Payments Coverage (MP) provides payment of reasonable and necessary medical expenses for you and your passengers who are injured or killed in an accident, regardless of who is at fault. Personal Injury Protection (PIP) pays for medical and funeral expenses incurred within three years of the date of accident for you and your passengers. This coverage also provides a portion of lost income as a result of injuries. Uninsured/Underinsured Motorists (UM/UIM) extends coverage to those who suffer bodily injury and/or property damage in an auto-related accident with an uninsured or underinsured motorist. Rental Reimbursement pays for rental vehicle charges while your vehicle is being repaired for damage covered under your policy. Towing and Labor covers some costs for services rendered at the place of breakdown and/or towing to a repair shop. Collision Coverage pays for damage to your insured vehicle caused by a collision or rollover. This coverage is usually required if you have a vehicle loan. The coverage always has a deductible. Other Than Collision (sometimes referred to as Comprehensive) pays for damage to your vehicle not covered by collision, such as fire, wind, hail, theft, glass, flood. This coverage is usually required if you have a vehicle loan and usually has a deductible. RECREATIONAL VEHICLES This coverage may be added to your auto policy or written on a separate policy designed specially for Recreational Vehicles. Be sure to that contents coverage is addressed in either policy.
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