Required Insurance

Required Auto Insurance Coverages

• Liability Coverage – Pays for bodily injury to another person or property damage you cause due to the negligent operation of a vehicle.  It may also pay if the accident was caused by a member of your family living with you or a person using your vehicle with your permission.  The coverage may also pay for a legal defense if you’re sued because of the accident.  Liability coverage is often split into two separate coverages:
• Bodily Injury (BI) – Pays for costs due to injury or death to a pedestrian(s) or person(s) in another car.  It may also cover your passengers’ injury costs as long as they aren’t members of your household.  
• Property Damage (PD) – Pays for damage to another person’s car or property such as fences, buildings, utility poles, signs, and trees.    .