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The most common types of auto insurance are:

A.) LIABILITY--Types of liability coverage include:
1.) Bodily Injury (BI) If you injure someone in an auto accident for which you are legally to blame.
2.) Property damage (PD) pays for damage that you cause to someone else's vehicle or property for which you are legally liable.
3.) Medical payments pays for medical, hospital or funeral expenses for you and others injured or killed while riding in your car.

B.) PHYSICAL DAMAGE--Types of physical damage coverage include:
1.) Collision pays for damage to your car from an accident regardless of fault.
2.) Other Than Collision pays for damage to your car caused by most anything other than a collision.

C.) OTHER COVERAGE--Other types of auto coverage include:
1.) Uninsured Motorists (UM) You/your passengers are injured by someone who doesn't carry auto insurance.
2.) Underinsured Motorists (UIM) pays for death and injury expenses to you or occupants of your car when the other person's insurance is inadequate (subject to policy limits).
3.) Personal Injury Protection (PIP) pays for medical expenses and 80% of lost income, regardless of who is at fault in the accident (subject to policy limits).

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