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Bodily Injury (BI) & Property Damage (PD)
Covers your liability for injuries you cause to other people and property damage for which you are at fault.

Limit refers to the amount of insurance you purchase and the maximum coverage that would be paid on a claim. The limit is expressed in a "split number" such as 100/300/100.

The first number is the limit (in thousands of dollars) that your policy will pay for bodily injury per person in the event of an accident. The second number is the total limit your policy will pay for bodily injury to two or more people per accident. The third number is the limit that your policy will pay for property damage per accident.

Many people are underinsured today because of the rising costs of vehicles. These costs make it easy to exceed your Property Damage limits.

Uninsured & Underinsured Motorist
Covers you when you are injured or your property is damaged by someone who is not insured or has inadequate limits of coverage. This also pays for accidents caused by a hit-and-run driver if you reported the dent promptly to the police.

Collision
Covers the cost of replacing or repairing your vehicle in the event of an accident in which you were at fault. The premium varies depending upon your deductible limits.

Comprehensive
This covers repairing or replacing your vehicle if your vehicle is stolen or sustains damage from something other than an accident - such as a hailstorm.

Deductible
A deductible is the amount that you pay toward a loss under collision and comprehensive coverage. This amount is paid first, before your insurance policy provides coverage.

Medical Payments
Med pay covers medical, and funeral expenses for you and passengers in your vehicle, if you have an accident.

Personal Injury Protection (PIP)
Same as medical payments coverage, plus 80 percent of lost income and the cost of hiring a caregiver for an injured person.

Rental Reimbursement
This coverage pays a set daily amount for a rental car if your vehicle is stolen or is being repaired because of damage covered by your policy.

Roadside Assistance / Towing
This provides coverage for towing charges when your vehicle can not be driven. This also provides for labor charges, such as changing a tire at the place where your vehicle broke down.

Now that you have a better understanding of auto insurance. Get a free auto insurance quote from Drive Insurance from Progessive. Simply start the quote by entering your zip code in the Drive Insurance box below.