Do you have the auto insurance that’s right for you? Find out about the basic types of insurance coverage below.

Collision Coverage: Most lenders require collision coverage as a condition of your loan. Collision coverage covers physical damage caused by a collision, regardless of who was at fault. Collisions can involve another vehicle or an object, like a telephone pole or a tree. Ask your agent about the market value of your car before deciding how much you need; deductibles may apply.

Personal Liability Coverage: Talk with your insurance agent about property damage and bodily injury liability coverage, including the limits available and what may be appropriate for your needs.

Comprehensive Coverage: If your car is damaged by something other than a collision, such as hail, a fallen tree or vandalism, Comprehensive Coverage may cover the costs. Consider the market value of your car when deciding whether or not you need it.

Uninsured & Underinsured Motorist Coverage: If you’re hit by a driver who doesn’t have enough insurance, or any insurance at all, Uninsured and Underinsured Motorist Coverage may compensate you or a covered family member.

Medical Payments Coverage: Medical Payments Coverage may help with medical bills for you or anyone who is in your car during an accident.