Automobile


Auto Liability Insurance
- protection in case others hold you legally responsible for bodily injury and/or damage to property due to losses incurred as the result of a motor vehicle accident.  In other words, coverage in case you cause an accident where there is either bodily injury or property damage to other people and you are held liable.

Comprehensive Coverage
- Optional coverage for when your car is stolen or damaged in ways that don't involve a collision.  Examples include: hail damage, glass breakage, fire, vandalism, damage from animal, flood, falling objects and theft.

Collision Coverage
- Optional coverage for when your car is damaged as a result of colliding with another object.

Personal Injury Protection (PIP)
- a package of medical benefits that provides protection for medical costs, lost wages, loss of essential services and funeral costs.  It is usually associated with a no-fault auto insurance system.

Deductibles - This is your out of packet expense that you agree to pay for losses, up to a set amount.  If you can't afford to carry a higher deductible on comprehensive and collusion coverage you can lower your costs.
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