Medical coverages are designed to pay for the medical care of you and your passengers after an accident. Medical payments coverage, also known as medical and funeral services payments, can help cover accident-related medical expenses for you, other drivers on your policy, and passengers. It can also offer coverage if you're struck by a car as a pedestrian or cyclist.
Personal injury protection coverage
Personal injury protection can help cover medical expenses for you and your passengers after an accident, regardless of fault. Offered or required in no-fault states, Personal injury protection is a complex coverage that varies widely by state. In general, it covers hospitalization, rehabilitation, and other medical expenses, lost wages up to the limits you select.
Collision coverage, together with comprehensive coverage, is a key component of what's often referred to as full coverage. While your property damage coverage helps others repair their cars, collision is there to assist you. If you've caused an accident, collision helps to either repair damage or replace damaged parts of your car.
This coverage is for all those unpredictable elements that spring up on the road or in your driveway. Comprehensive coverage, can help pay for repairs or replacement, if your car's totaled after your car's damaged by a natural disaster, vandalism, theft, fire, or a falling tree branch.
Liability is a type of car insurance coverage that's legally required in most states. It pays for damaged property, medical care, and lost wages for other drivers and passengers if you're found at fault in an accident.