– Defends you if someone makes a claim against you.This coverage is required by law.Uninsured/Underinsured motorist-
Will pay you if the wreck was the other driver’s fault and he/she does not have liability insurance or not enough insurance for your injuries.This coverage is required by law UNLESS you waive it.
Collision- Pays the cost of repairing your car or the fair market value; whichever is less, minus a deductible.
Medial Payments Coverage- Pays your medical bills up to a certain limit.
Towing/Rental- Pays for the cost of towing your vehicle and renting a replacement auto.
You may not have all of these coverages included in your auto policy and certain coverages have limits on how much they will pay.Consult your insurance agent or an attorney with questions about your insurance coverage.