Automobile Insurance consists of two separate sections – Liability and Full Coverage. The Liability portion provides protection for Bodily Injury, Property Damage, Medical Payments, Personal Injury, and Uninsured Motorist.
Bodily Injury covers injuries or death to a third party for which an Insured is responsible, as well as for legal defense costs should a lawsuit be filed against the Insured. In addition, if the vehicle of an Insured causes damage to the property (i.e. vehicle, fence, lawn, etc.) of a third party, the Property Damage section would provide protection against such losses.
The Medical Payments portion covers medical expenses incurred by passengers riding in the Insured’s vehicle as the result of an accident. The Personal Injury Protection pays the medical, hospital, and/or funeral expenses of the Insured.
Uninsured Motorist protects the Insured’s vehicle against damage that results from a collision with a motorist that does not possess insurance.
The Full Coverage section is comprised of two items – Collision and Comprehensive. Collision covers the cost of repairs to the vehicle of the Insured as the result of an accident with another vehicle. Conversely, the Comprehensive portion protects against damage that is not related to a collision i.e. a falling tree, flood, theft, and animals.