An extension of car insurance available in some U.S. states that covers medical expenses and, in some cases, lost wages and other damages. Med Pay may cover your expenses for medical, surgical, dental and chiropractic treatments that are considered necessary and reasonable. Additional expense coverage for PIP only includes physical and occupational therapy and rehabilitation costs, psychiatric expenses, and other professional health services.

Helps pay for the damage that you cause to another vehicle or other types of property. Property damage liability coverage can pay for the damages you cause to another person’s property, such as a car, fence, or building front. Property damage liability coverage usually does not cover damage to your own vehicle.

Collision coverage comes with a deductible. This means you’ll pay out of pocket for some of the damage, and any amount after that is typically covered up to the actual cash value of your car. Typical deductibles are between $0 and $1,000. Collision insurance coverage will typically pay to fix or replace it.

Some of the damages covered are:

• Theft
• Vandalism
• Fire
• Natural disasters (like a hurricane or a tornado)
• Falling objects
• Damage done to your car by animals
• A civil disturbance (like a riot that results in damage or destruction of your car)

Uninsured and underinsured motorist insurance offers coverage for bodily injury and, in some instances, can offer coverage for damage to your RV.
Uninsured motorist coverage will help protect you, if you were in an accident, the other driver is at fault but they do not have insurance or are underinsured. This coverage hips towards the overall bill.

If your vehicle has stopped running due to non-accident related events (e.g. mechanical or electrical breakdown), use your roadside assistance coverage.

• Roadside coverage often includes:
• Towing
• Tire Changes
• Battery service (jump-start)
• Labor costs once you’re at the mechanic (but not parts)
• Gas, water, and oil delivery
• Lockout service