Collision Coverage – This is the basic insurance type that covers your vehicle if you collide into something. This covers collisions with other cars as well as if you were to run into a wall, barrier or bridge.

Comprehensive Coverage – This covers anything that may happen to your car that is not directly related to a collision. This would include things such as theft, fire, hitting a deer or vandalism.

Liability Coverage – This type of coverage covers the damages when you are at fault in an accident and you damage someone else’s car or property. Liability coverage is often mandated by law, so it is important that you as the driver make certain you have an adequate amount.

Medical Payments / PIP – If you are involved in an accident, both these endorsements may cover your expenses for medical, surgical, dental, and chiropractic treatments that are considered necessary and reasonable. They may also cover services that include ambulance transportation, hospitalization, X-rays, nursing care, prosthetics and funeral expenses. PIP may also cover wages lost from work, other reasonable non-medical or related losses and a death benefits.