Most PERSONAL AUTO policies provide the following basic coverages:

• Property Damage Liability - Covers accidental damage to other people's property if caused by you or your auto in an auto accident.

• Defense Costs - Covers court costs, legal expenses and attorney's fees, for example.
• Collision - Covers damage to your car from collision with another vehicle or object, regardless of who was at fault.
• Other Than Collision - Covers specific damage to your car that is not collision, such as fire, flood, theft, vandalism, glass breakage, falling objects, or hitting an animal.
• Personal Injury Protection (NY) - Covers Medical Expenses and Loss of Earnings for those in your car in an accident, regardless of who was at fault.
• Uninsured / Underinsured Motorist - Covers injury suffered by you, your family or anyone riding in your car against the uninsured / underinsured or hit-and-run driver. (In NY, called Uninsured Motorist / Supplemental Uninsured / Underinsured Motorist)