1The five parts of an auto policy
Your auto policy may include all 6 coverages or some of them. Each coverage is priced separately.
2Bodily Injury Liability
For injuries the policyholder causes to someone else.
3Property Damage Liability
For damage the policyholder caused to someone else property.tor
4Personal 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.
5Uninsured/Underinsured Motorist Coverage
For treatment of policyholder's injuries as a result of collision with an uninsured driver. Underinsured motorist coverage can also be included in an auto policy. Under insured motorist coverage comes into play when an at-fault driver has auto liability insurance, but the limit of insurance is inadequate to pay for your damages.
For damage to the policyholder's car that doesn't involve a collision with another car. Covered risks include fire, theft, hail, vandalism, falling objects, missiles, explosion, earthquake, flood, riot and civil commotion.
For damage to the policyholder's car from a collision. The collision could be with another car, a light post, fire hydrant or cover a hit and run.