Personal Injury Protection (PIP) is a type of auto insurance coverage that pays for medical expenses and lost wages for you and your passengers after an accident, regardless of who caused the crash. Unlike liability coverage, which only pays for damage you cause to others, PIP protects you, your family members, and anyone riding in […]
Do I Need Uninsured Motorist Coverage?
Yes uninsured motorist coverage is highly recommended. It protects you financially if you’re hit by a driver who has no insurance at all, or not enough insurance to pay for your injuries and vehicle damage. Without it, you could be left covering medical bills and repair costs out of your own pocket, even though the […]
What is “Full Coverage”?
Full coverage is not a single insurance policy you can buy off a shelf it’s a popular shorthand for a package of three separate protections: Liability, Collision, and Comprehensive coverage, bundled together on one auto insurance policy. When people say they have “full coverage,” they typically mean their policy includes all three of these protections, […]
What Is Comprehensive Coverage?
Comprehensive coverage is a type of auto insurance that pays for damage to your car caused by events outside your control, such as theft, vandalism, fire, or weather. Unlike collision coverage, which deals with crashes, comprehensive coverage protects your vehicle from the unexpected things life throws at it when you’re not even behind the wheel. […]
What is Collision Coverage?
Collision coverage is the part of your car insurance policy that pays to repair or replace your vehicle after it’s damaged in an accident with another car or object, regardless of who caused the crash. Whether you rear-end another driver, hit a guardrail, or roll your car on an icy road, this coverage helps cover […]
What Is Liability Coverage?
Liability coverage is the part of your insurance policy that pays for bodily injury and property damage you cause to others in an at-fault accident. In simple terms, it protects other people’s medical bills, lost wages, and repair costs when you’re legally responsible for an accident. It does not pay for your own injuries or […]