What are the different types of car insurance coverage?
- Bodily injury liability: Pays for someone else’s medical bills if you’re liable for their injuries in an auto accident.
- Property damage liability: Pays for damage to someone else's vehicle and/or property if you’re liable in auto accident.
- Uninsured bodily injury: Covers you and your passengers if you're injured in an accident and the at-fault driver has no insurance.
- Underinsured bodily injury: Covers you and your passengers if you're injured in an accident and the at-fault driver’s coverage limits aren’t high enough to pay for the injuries they caused.
- Uninsured motorist property damage: Pays to repair or replace your vehicle if you’re hit by a driver with no insurance.
- Underinsured motorist property damage: Pays to repair or replace your vehicle if you’re hit by a driver without enough coverage.
This type of auto insurance coverage also applies if you or your family members are passengers in other vehicles or hit by a car while you're walking or riding a bicycle.
Example: You're in a fender bender on your lunch break and your co-worker, in the passenger's seat, is injured. Your medical payments coverage on your car insurance policy will cover your co-worker's hospital bill up to your policy’s limits. A deductible may apply for personal injury protection.