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Facts About Auto Insurance


  • Collision Coverage – This is the basic insurance that covers your vehicle if you sustain damage in an accident, whether caused by you or not.
  • Comprehensive Coverage – This covers damage that may happen to your car that is not directly related to a collision. This would include things such as theft, fire, hitting a deer or vandalism.  Full glass coverage is typically included in this coverage.
  • Liability Coverage – This type of coverage covers the damages to someone else's car or property when you are at fault in a car accident. These situations can leave you vulnerable to lawsuits, so it is important to carry sufficient coverage for this purpose.
  • Personal Injury Protection (PIP) – This is often referred to as "no-fault."  PIP pays for injuries to the driver or passengers as a result of an accident while you were driving.