Personal auto insurance is there for you on the road, providing financial protection for your vehicle. Here’s what it usually covers:

• Liability Coverage: Helps if you’re responsible for injuring someone or damaging their property in an accident.
  • Bodily Injury Liability: Covers medical expenses, lost wages, and legal fees if you injure someone.
  • Property Damage Liability: Pays for repairs or replacement of the other person’s vehicle or property.
• Collision Coverage: Covers damage to your car from a collision, no matter who’s at fault.
• Comprehensive Coverage: Protects against non-collision events like theft, vandalism, fire, natural disasters, and hitting an animal.
• Medical Payments Coverage (MedPay) or Personal Injury Protection (PIP): Pays for medical expenses for you and your passengers after an accident, and PIP can also cover lost wages and other costs.
• Uninsured/Underinsured Motorist Coverage: Protects you if you’re in an accident with a driver who has no or insufficient insurance.

There are also optional coverages like:

• Rental Reimbursement: Covers the cost of a rental car while your car is being repaired.
• Roadside Assistance: Provides help if you get stranded.
• Gap Insurance: Covers the difference between your car’s value and the amount you owe on a lease or loan if your car is totaled.