UM/UIM: Uninsured or underinsured covers expenses from an accident when the other
driver does not have insrance or a hit-an-run.
PIP or MED: Personal Injury Medical covers you, passengers, or pedestrians. PIP covers
up to $2,500 and includes 80% of wages.
BI – 30/60(higher limits available):
Bodily Injury covers the people in the other car with medical, funeral, lost wages,
PD- 25(higher limits available):
Property damage covers Car repair or a replacement for other vehicle and driver.
Collision: $500 deductible (normal) covers any damage to your vehicle in a accident
by repairing or replacing (Pays actual cash value only)
Comprehensive: $500 deductible (normal) Physical damage other than collision. Repairs
or replaces if stolen or damaged by fire, vandalism, hail etc. Must report to police.
(Pays actual cash value only)