Liability coverage
Bodily injury liability coverage generally responds to injury an insured is legally responsible for causing to another person, subject to the policy and law. Property damage liability concerns damage to another person’s property.
PIP and medical payments coverage
Personal injury protection and medical payments coverage are first-party coverages that may address accident-related medical expenses. What is required, optional, covered, or coordinated with health benefits varies.
Uninsured and underinsured motorist coverage
Uninsured motorist coverage generally addresses covered losses involving an uninsured or hit-and-run driver. Underinsured motorist coverage may apply when an at-fault driver’s available insurance is insufficient.
Questions for a policy-specific review
Ask for the policy language, declarations, endorsements, limits, deductibles, notice requirements, consent requirements, and any written coverage position.