1. Auto liability - pays for damages to other people and/or their property. Liability applies when an auto loss is accidental and you are found to be at fault. The personal auto policy covers two types of liability coverage – Bodily Injury Liability and Property Damage Liability.
2. Uninsured/Underinsured Motorist – pays for bodily injury to you and your family when the injuries are the fault of another driver who has no liability insurance or inadequate liability limits.
3. Auto Medical Payments – pays the reasonable medical, surgical, hospital or funeral expenses incurred by you and/or passengers in your car as the result of an accident even though you are not at fault.
4. Damage to Your Auto – Collision coverage pays for the loss to your car resulting from collision with another vehicle or object, or damage resulting from being overturned. Other than collision (comprehensive) pays for loss to your car caused by accidents including but not limited to, fire, flood, vandalism, and theft.

Other types of vehicles such as ATVs, Motor Homes, Motorcycles, Trailers, and Antique autos can all be covered under the auto policy. Optional coverage’s such as towing and labor, rental reimbursement, and electronic equipment coverage can be added to the personal auto policy.