Property Damage:
Your policy will cover to repair the damage to another person's property, such as cars, fences or trees, if the damage is caused by an automobile accident for which you are at fault.

Uninsured Motorists:
You are protected if you are injured in an automobile accident that is caused by a hit and run driver or a driver who is uninsured. Your policy will cover medical and certain related expenses not covered by other parts of the policy and for a pain and suffering damage award to which you would have been entitled if the driver had been insured.

Comprehensive:
Your policy will cover to repair damages to your car which are caused by events other than collision. Typical examples are theft, fire and vandalism. Damage resulting from normal wear and tear or mechanical failure of the car is not covered.

Collision:
Regardless of who is at fault, your policy will cover to repair your car if it collides with another car or object.

Personal Injury Protection:
Regardless of who is at fault, your policy will cover your medical expenses, lost wages and certain related expenses if you are injured in an automobile accident (also known as Non-fault).