Auto Loan/Lease:  Pays you, in the event of a total loss of your car, the difference between the unpaid balance on your loan and the market value of your car. Available only on new cars.

Bodily Injury Liability: Pays for injury to "the other guy" if you are at fault in an accident. Pays only up to it's limit - you may be responsible for claims over your coverage amount.

Collision: Pays for damage to YOUR car caused by an accident. You pay the deductible amount then the company pays the balance.

Comprehensive: Pays for damage to YOUR car caused other than by collision (i.e., fire, theft, vandalism, glass breakage). You pay the deductible amount of any damage then the company pays the balance.

Loss of Use: Pays for YOU to rent a replacement vehicle while yours is being repaired as the result of an accident.

Personal Injury Protection (PIP): Pays for YOUR (or anyone in your car's) medical expense and/or wage loss if injured in an auto accident - WITHOUT regard to who was at fault.

Property Damage Liability:  Pays for "the other guy's" property (car, fence, etc.). Pays only up to it's limit - you may be responsible for claims over your coverage amount.

Towing:  Pays to have your car towed or labor performed at the scene of disablement (jump start). Pays only up to it's limit.

Uninsured Motorist, Bodily Injury: Pays you if you are injured in an auto accident caused by an uninsured motorist. Pays only up to it's limit.

Uninsured Motorist, Property Damage: Pays for your car if damaged by an uninsured or unknown (hit & run) motorist. You pay the deductible amount then the company pays the balance. Pays only up to it's limit.

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