Car Insurance

Liability Insurance: All states but one (New Hampshire) require all drivers to either have auto liability insurance or purchase a bond to pay damages if your vehicle is involved in a collision and causes damages or injuries to others. The limits of your liability policy are set by law, but you have the option to purchase higher limits.

Uninsured/Underinsured Motorist (UM/UIM) coverage: This policy is an option in some states (including WA, OR and ID), but is required in some others. Simply put, if you’re in a collision with a driver who has no insurance or not enough to pay your injuries or damages, UM/UIM is coverage that pays the difference between the other party’s available insurance and your actual damages (up to the limits you have purchased).

Collision coverage: Regardless of fault, if your vehicle collides with a tree, power pole, or piles into a snowbank, collision coverage will help pay the cost of repairs.

Comprehensive (or “Other Than Collision”) coverage: If a tree limb falls on your car, or it is stolen or damaged by thieves, or if you hit a deer, comprehensive coverage is the only coverage that will pay to repair or replace your vehicle.

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Personal Injury Protection (PIP) coverage: Regardless of fault, PIP coverage pays for medical expenses if you or passengers in your vehicle are injured in a collision, up to the limits of the policy.