| Medical Payments covers medical expenses to you | | | | Property Damage Liability covers you if your car |
| and your passengers injured in an accident. There may | | | | damages someone else's property. Usually it is their |
| also be coverage if as a pedestrian a vehicle injures | | | | car, but it could be a fence, a house or any other |
| you. Does NOT matter who is at fault. Coverage is | | | | property damaged in an accident. It also provides you |
| limited to the terms and conditions contained in the | | | | with legal defense if another party files a lawsuit |
| policy. | | | | against you. It is a good idea to purchase enough of |
| Uninsured Motorist Bodily Injury covers bodily injuries to | | | | this insurance to cover the amount of damage your |
| you and your passengers when the other person has | | | | car might do to another vehicle or object. Coverage is |
| no insurance or not enough insurance in a crash that is | | | | limited to the terms and conditions contained in the |
| not your fault. In some states, there is also uninsured | | | | policy. |
| motorist coverage for damage to your vehicle. Given | | | | Rental Car Reimbursement covers renting a car if |
| the large number of uninsured motorists, this is very | | | | your car isn't drivable or while your car is being |
| important coverage to have, even in states with | | | | repaired because of a covered accident. |
| no-fault insurance. Coverage is limited to the terms and | | | | What else is available and can you afford it? |
| conditions contained in the policy | | | | Did you come across a coverage and think, "I need |
| Personal Injury Protection covers within the specified | | | | that but it isn't required by state law" when you were |
| limits, the medical, hospital and funeral expenses of the | | | | reviewing the coverage definitions? Chances are you |
| insured, others in his vehicles and pedestrians struck by | | | | did. Can your budget afford the additional expense of |
| him. The basic coverage for the insured's own injuries | | | | these protections? Alternatively, maybe more to the |
| on first-party basis, without regard to fault. It is only | | | | point can you afford NOT to have these additional |
| available in certain states. | | | | protections? |