• Property coverage pays for damage to or theft of your car.
  
• Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
  
• Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes
  lost wages and funeral expenses.

Get an Insurance Quote

An auto insurance policy is comprised of six different kinds of coverage. Most states require you to
buy some, but not all, of these coverages. If you're financing a car, your lender may also have
requirements.

Most auto policies are for six months to a year. Your insurance company should notify
you by mail when it’s time to renew the policy and to pay your premium

Coverage Definitions
Auto insurance coverage is packaged into different coverage types. It is usually easiest to first determine what you are required to purchase. Then, you determine what you have that needs to be protected. You purchase insurance to protect yourself (your family) in the event that you suffer a loss to your person or property and you purchase insurance to protect yourself (your family) from losses suffered by others. Below is a breakdown of each car insurance coverage type to help you understand more about what each type of coverage protects. Next to each type is a term that is usually associated with that coverage type (i.e. BI and PD).

For more on Coverage, see our Auto Coverages page.