Vital Coverages

Bodily Injury and Property Damage
• Pays for bodily injuries to other people or damage to their property, if you are liable.
• Coverage is provided whether your car is driven by you, a qualified family member or another driver using your car with your permission.
• In most cases, you’re covered in a car you borrow or rent temporarily.
• You select the monetary limits of your own policy.
• Includes costs to defend claims and/or lawsuits.
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Uninsured/Underinsured Motorist
• Covers bodily injuries to you, qualified family members and any other person occupying your covered auto, caused by an uninsured motorist or a hit-and-run driver.
• You select the monetary limits up to the same limits carried for bodily injury coverage.
• Coverage applies if a motorist does not have adequate coverage to pay for your injuries as a result of an accident.
• Uninsured Motorist Property Damage endorsement is available in certain states for property damage caused by an uninsured motorist or a hit-and-run driver.

Medical expenses / Personal Injury Protection
• Covers necessary medical treatment arising from an auto accident, regardless of fault, for you and your qualified family members or passengers.
• Lost income and essential household services may be covered.
• Provides peace of mind that passengers in your vehicle will have medical coverage even if they don’t have their own medical insurance.
• You select the amount of coverage provided by the policy.