If you're at fault in an accident, you could be held legally responsible for all medical and repair costs for everyone involved. Liability Coverage can shield you from these potentially devastating expenses.

Protection for People, Property, and the Unexpected

Bodily Injury Liability Coverage

If people are injured in an accident that's your fault, Bodily Injury Liability coverage helps protect you from bills that can include:

• Emergency aid at the scene
• Medical expenses for bodily injury
• Medical services for sickness or disease
• Compensation for loss of income
• Funeral expenses
• Legal defense fees and/or bail bonds for anyone listed on your policy
• Other expenses not listed here

If you're interested in carrying this coverage, but aren't quite sure how much coverage is right for you, you might want to consider purchasing the highest limit you can comfortably afford.

Property Damage Liability Coverage

If another driver's property is damaged in an accident that's your fault, Property Damage can help pay for their:

• Structural damage to homes, storefronts, etc.
• Repair or replacement costs for other stationary objects
• Vehicle repair or replacement costs

It can also help keep your assets safe in the event of a lawsuit resulting from a covered accident.

If you're interested in carrying Property Damage Liability protection, you might want to consider purchasing the highest limit you can comfortably afford.

Medical Payments Coverage
If you're in a covered accident, this Medical Payments option helps pay for any reasonable and necessary medical bills.

Considering your claim is a covered loss (that's insurance-speak for an accident or incident that falls within the bounds of your policy), Medical Payments coverage helps pay for medical treatment for accident-related injuries, no matter who's at fault. These costs may include doctor visits, hospital visits and/or stays, surgery, x-rays, EMT and ambulance fees, and other similar expenses. This option covers you, your passengers, and any family members who may be driving the insured car during the accident.

And while nobody likes to think about it, this option also helps cover funeral expenses.

Personal Injury Protection
Helps reimburse you for lost income, child care expenses, medical expenses, and other similar things if you're hurt in a covered accident.

Accidents are always inconvenient, sometimes expensive, and never what you planned. Which is why planning ahead can make a huge difference in the weeks and months following an accident where you're injured.

Personal Injury Protection coverage (or PIP) not only covers reasonable and necessary medical and hospital expenses, it can also help you with income continuation, loss of services, funeral expenses, even child-care expenses while you’re healing.