Bodily Injury
If the policyholder or another driver covered by the policy is found to be at fault in an accident resulting in injuries or fatalities, the following is covered under bodily injury coverage:

• Medical expenses
• Lost wages
• Pain and suffering
• Legal defense if the drivers listed on the policy are involved in a lawsuit resulting from a car accident

Bodily injury coverage pays for damages caused to a third party.

How much protection does this coverage provide?
The dual coverage limits you select in your auto insurance quote refer to the maximum amount that will be paid per person, per incident, respectively.

Property Damage
If you or another covered driver is found to be at fault in an accident, the following is covered under property damage coverage:

• Damage to another person's property (e.g., fence, car, or home)
• Legal costs associated with a damage incident

Uninsured Motorist Bodily Injury
The limits for this coverage must be less than, or equal to, the limits you select for your bodily injury coverage. Also, if you want to carry this coverage on multiple vehicles, the limits must be the same for each vehicle.

If you’re injured in an accident caused by a driver who has no insurance coverage, uninsured motorist bodily injury coverage covers the following expenses:

• Medical
• Lost wages
• Other general damages
• Injuries sustained in hit-and-run accidents

How much protection does this coverage provide?
The coverage limits you see in your quote refer to the maximum amount that will be paid per person for any combination of covered expenses.

Underinsured Motorist Bodily Injury
The limits for this coverage cannot exceed the limits on your bodily injury coverage. Also, if you want to carry this coverage on multiple vehicles, the limits must be the same for each vehicle.

If you’re injured in an accident caused by a driver who has insufficient coverage, underinsured motorist bodily injury coverage covers the following expenses:

• Medical
• Lost wages
• Other general damages
• Injuries sustained in hit-and-run accidents

How much protection does this coverage provide?
If the other driver involved in an accident is underinsured, this coverage typically pays any difference between what the other driver’s insurance covers and what your bodily injury coverage will pay.

The coverage limits you see in your quote refer to the maximum amount that will be paid per person, per incident, respectively. If the limits you purchase are lower than an accident’s costs, you’ll be responsible for paying the amounts over your limits, unless you’re covered by health insurance.

Medical Payments
Medical payments coverage pays for medical and dental treatment, hospitalization, professional nursing services, prostheses, and funeral expenses if a covered driver and/or accompanying passengers are injured while in an insured vehicle, regardless of who is at fault in the accident.

Medical payments may also cover policyholders and their family members when they're injured while riding in someone else's car or if a car hits them while on foot or bicycling.

If you and your regular passengers already have health insurance that covers similar expenses, medical payments coverage may be unnecessary. Check your health insurance policy for details.

How much protection does this coverage provide?
The coverage limit refers to the maximum amount that will be paid per person, per accident.