Bodily Injury Liability — covers the cost of injuries to other people that you cause while driving your car.
Property Damage Liability — covers the cost of damage that you cause to another vehicle or property (fence, mailbox, building, etc.)
Medical Payments— provides reimbursement for medical expenses for injuries to you or your passengers, regardless of fault.
Uninsured Motorist Coverage — covers the cost of injuries you or your passengers sustain in an accident caused by an uninsured motorist.
Underinsured Motorist Coverage — covers the cost of injuries to you or your passengers when another driver lacks adequate coverage to pay the costs of a serious accident.
Collision — covers the damage to your vehicle caused by hitting anything other than an animal. Examples: another vehicle, a tree, the ditch, etc.
Comprehensive — covers the damage to your vehicle caused by hitting an animal, or other non-crash damages (examples: fire, theft, hail, falling objects, broken windshield/window)