Auto Insurance policies are broken down into the following coverage areas:
Bodily Injury - covers injury to others you are liable for.
Property Damage - damage to property of others
Medical Payments - covers medical expenses for injury to you and anyone in your vehicle, regardless of fault.
Uninsured/Underinsured Motorist Bodily Injury - covers injury to you and everyone in your vehicle caused by someone not insured or someone that does not carry adequate coverage limits.
Comprehensive/Other than Collision - covers the vehicle for losses other than collision, upset, overturn, or hit-and-run, i.e., fire, theft of vehicle, vandalism, crime coverage, falling objects, glass breakage, water damage.
Collision - collision, upset, overturn, hit-and-run.
Towing and Labor - towing due to breakdown and labor for jump starts, or tire changes.
Rental Reimbursement - Extended transportation-provides coverage for a rental vehicle if your vehicle cannot be drive due to a covered loss. Mechanical breakdown is not covered.