What is covered on an Auto Policy?

The auto policy can include coverage for UP to six distinct risks, each of which is priced separately. They are:

• Bodily injury liability, for injuries the policyholder causes to someone else.
• Medical, or in some states, Personal Injury Protection (PIP) for treatment of injuries to the driver and passengers of the policyholder’s car. At its broadest, PIP can cover medical payments, lost wages and the cost of replacing services normally performed by someone injured in an auto accident.
• Property damage liability, for damage the policyholder caused to someone else’s property.
• Collision, for damage to the policyholder’s car from a collision.
• Comprehensive, for damage to the policyholder’s car that doesn’t involve a collision with another car. Covered risks include fire, theft, falling objects, missiles, explosion, earthquake, flood, riot and civil commotion.
• Uninsured motorists coverage, for treatment of the policyholder’s injuries as a result of collision with an uninsured driver. No state requires car owners to carry insurance for all these risks. But many states require drivers to carry minimum amount of liability insurance for bodily injury and property damage, as well as personal injury protection coverage.

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