There are a variety of components to auto insurance. Liability and uninsured/underinsured are required by the state to be purchased at minimum levels. The other elements are optional, allowing the individual to choose their coverage levels or to omit them altogether. We can talk through your risks and priorities in order to help you make an informed, wise decision.
Bodily Injury Liability Coverage - Pays when an insured person is legally liable for bodily injury or death caused by their vehicle or their operation of most non-owned vehicles. This coverage also pays for legal defense if the insured is sued.
Property Damage Liability Coverage - Pays when an insured person is legally liable for damage to the property of others caused by their vehicle or operation of most non-owned vehicles. This coverage also pays for legal defense costs if the insured is sued.
Uninsured/Underinsured Motorist Coverage - Protects the insured, resident relatives, and occupants of a covered vehicle if any of these insured sustain bodily injury, including any resulting death, in an accident in which the owner or operator of the motor vehicle who is legally liable does not have insurance at all or not enough insurance.
Collision Coverage - Pays for loss to a covered vehicle when it collides with another object or overturns. It also pays for a collision loss to any non-owned vehicle, or to a rented vehicle, other than one rented for use in connection with your business or employment, while it is in the insured's custody or while they are operating it.
Comprehensive Coverage - Pays for loss or damage to the insured's covered vehicle caused by any event other than collision. This includes damages due to events such as fire, theft, windstorm, flood, and vandalism. It also pays for temporary transportation and loss of use expenses under this coverage if your motor vehicle is stolen.