BODILY INJURY LIABILITY
Covers you for injuries to someone else when your car is in an accident in which you are found legally liable.

PROPERTY DAMAGE LIABILITY
Covers you for damage to someone else's property (car, fence, lamppost, etc.) when your car is in an accident in which you are found to be legally liable.

MEDICAL PAYMENTS COVERAGE
Covers (up to the limit you choose) the medical costs resulting from an auto accident for you, your family and others in your car. It pays no matter who was at fault.

UNINSURED MOTORIST BODILY INJURY COVERAGE
Pays for injuries to you or to persons in your car in accidents caused by uninsured or unidentified drivers.

UNINSURED MOTORIST PROPERTY DAMAGE
Pays for damage to your automobile caused by an uninsured motorist, however, either the owner/operator or the uninsured vehicle must be identified. If you don't carry collision coverage on your car, UMPD will pay up to $3,500.00 (not to exceed the value of the vehicle). If you do carry collision coverage on your car, you carry "collision deductible waiver". If you are involved in an accident with an uninsured vehicle, your insurer will pay the collision deductible for you.

COLLISION COVERAGE
Pays for damage to your car caused by a collision with another vehicle or with any other object (pole, wall, etc.), regardless of who was at fault. It also covers damage caused by the upset (overturning) of your car.

COMPREHENSIVE COVERAGE
Pays for damage to your car caused by reasons other than collision, such as fire, theft, windstorm, flood, etc.