Bodily Injury to Others pays expenses (medical, injury) to anyone hurt or killed by your car up to a limit of $20,000 per person and $40,000 per accident. Injuries to the driver or passengers in your car are not covered in this part of the policy. You could be sued for much more,
Personal Injury Protection pays up to $8,000 to you or anyone you let drive your car, passengers and pedestrians, no matter who causes the accident. This pays medical, replacement services and 75% of lost wages. Motorcycle drivers and passengers are not are not covered by PIP. If you own a motorcycle, you must buy PIP to protect others.
Bodily Injury Caused By An Uninsured or UnderInsured Auto protects you, household members and passengers against accidents caused by an uninsured, underinsured or "hit and run" driver. This covers you both as a pedestrian and a driver, so that if you are hit, injuries sustained are covered up to the limits of the policy. A minimum of $20,000 per person and $40,000 per accident is required.
Damage to Someone Else’s Property covers costs associated with the loss of use of that property, when you or another authorized driver cause an accident. A minimum of $5,000 is required. Limits of $50,000 or $100,000 are recommended. Limits: no less than $100,000 is recommended.
pays for damage from fire theft, vandalism, and hitting an animal, minus deductible. (Collision is excluded here.) Substitute transportation fees of $15 per day are included until your car is found or repaired. If your car is stolen, report it to the police and your insurance company immediately.
pays for collision damage to your car, minus deductible, no matter whose fault. Most car loan companies require this and comprehensive. Collision with a "waiver of deductible" means that the deductible will not apply when an another known insured driver causes the accident.
covers you and your employees when renting or borrowing a car for business. It extends all the policy coverages to this vehicle. Physical damage extends your regular policy protection to a rental or borrowed car in the event of an accident.
protects those who do not have a personal auto policy on their vehicle, because it is owned
by the business. This coverage extends personal insurance to the individual and provides better protection.
expands your liability protection up to whatever amount you choose- . This also pays for damages suffered by passengers in your car.