How do you know what type of car insurance coverage to purchase when there are so many options to choose from? Direct makes understanding auto insurance easy and we're here to help every step of the way. Here are some auto insurance coverage definitions that could help you decide the type of coverage that's right for you and your car. You can also try our Coverage Assistant . Just answer a few simple questions and the Coverage Assistant will suggest some coverages that could be right for you and your family. While every state has a minimum level of required coverage, there are plenty of insurance options if you're looking for additional coverage for you, your family, and your car.
Bodily Injury Liability
pays for your legal responsibility should you cause bodily injury to another person while operating your vehicle. This coverage does not pay for your medical expenses.
Property Damage Liability
pays for your legal responsibility should you cause property damage while operating your vehicle. This coverage does not pay for repairs to your own vehicle.
helps pay to repair or replace your vehicle if it's damaged by a covered loss caused by weather events, theft, vandalism, fire, or other similar events.
helps pay to repair or replace your car if you're in a covered accident that involves other vehicles or stationary objects.
Uninsured Motorist Coverage
pays for bodily injury and, in certain states property damage, sustained by you and other passengers in your covered vehicle when the person that is legally liable for the accident does not have auto liability insurance or cannot be identified. In some states, it also includes coverage for damages caused by at-fault drivers who have insufficient insurance to pay your
Personal Injury Protection (PIP)
helps pay for certain medical, hospital, and funeral expenses, and/or lost wages incurred by you, residents of your household, passengers in your insured vehicle, and pedestrians when injured in an auto accident regardless of who is at fault. PIP coverage is not available in all states. Where available, it may be subject to state specified limits.
Interested in additional protection for you and your family? Direct offers you options every step of the way. Visit one of our many locations to speak to a friendly agent, click the Live Chat link below, or give us a call at 1-877-GO-DIRECT (1-877-463-4732). Click to get a free and easy quote.Want a quote that's customized for you and your family? Try the Coverage Assistant for an obligation-free quote today!