WHAT KIND OF INSURANCE COVERAGE IS AVAILABLE?

A "standard" automobile insurance policy includes many different types of coverage including the following:

(1)   Liability coverage if someone makes a claim against you for their personal injuries or property damage to their car.

(2)   Personal Injury Protection (PIP) coverage for the payment of your medical expenses and loss of income.

(3)   Uninsured Motorist Coverage if you are injured or your property is damaged in an accident with a person who is uninsured.

(4)  Underinsured Motorist Coverage if you are injured or your property is damaged in an accident with a person who has less insurance coverage than you do. 

(5)  Collision coverage for property damage to your car caused by  physical contact.

(6)  Comprehensive coverage for property damage to your car caused by fire, theft or other reasons.