Bodily Injury Liability
The policy pays when you or a family member legally are liable, and it also pays court defense costs.

Property Damage Liability
The policy pays when you or a family member legally are liable, and it also pays court defense costs.

Underinsured Motorist - Bodily Injury
The policy pays for injuries you or a family member receive from an uninsured or underinsured motorist (coverage cannot be higher than Bodily Injury Liability).

Underinsured Motorist - Property Damage
The policy pays for damage to your property from an uninsured or underinsured motorist (coverage cannot be higher than Property Damage Liability).

Personal Injury Protection (PIP)
The policy pays medical expenses, income loss and benefits for extra expenses for you, members of your household and guests in your car in case of accidental injury or death (you must have Liability coverage to purchase this coverage).

Collision
The policy pays for damage to your car from collision or upset regardless of fault, subject to your deductible.

Comprehensive
Includes fire, theft, vandalism and glass breakage.  The coverage pays for damage to your car other than collision or upset, subject to your deductible.

Towing and Labor
The policy pays for towing and labor when your car will not operate under its own power.  Labor is covered only at the site of breakdown.

Rental Reimbursement
The policy pays for rental reimbursement.

Auto Accidental Death
The policy pays your spouse (if a member of the same household or your estate) the limit of coverage purchased if you are fatally injured in an automobile accident.  Coverage is available for the named insured and spouse age 21 through 64.

Auto Loan/Lease Coverage
This endorsement extends coverage for a covered total loss.

If the auto is subject to a traditional loan we will pay the vehicle actual cash value at the time of loss, or the principle outstanding balance of the loan, whichever is greater.

* All coverages are subject to the policy terms, conditions, exclusions and limitations.