Type Of Coverage: | What It Protects: | Recommended: |
Liability – (Bodily Injury) | Other driver’s injuries | $100,000/300,000 |
Medical | Your/family medical bills | $5,000 if good health insurance; $100,000 if no health insurance |
Uninsured Motorist | Your/family injuries where other driver has no insurance | $100,000/300,000 Stacked |
Underinsured Motorist | Your/family injuries where other driver has low insurance | $100,000/300,000 Stacked |
Full or Limited Tort | Your right to claim for injuries | Full Tort |
Loss of Income | 80% of your lost wages | Don’t need if you have other income loss benefits; $5,000/month $50,000 max if no other coverage. |
Funeral Benefits | Your funeral costs | Don’t need if other coverage; $2,500 if no other coverage. |
Accidental Death | Death benefit | Don’t need if other coverage; depends on your individual needs. |
Collision | Damage to your car | Not recommended for older vehicles. Higher Deductible lowers the cost. Whether to purchase depends on vehicled value. |
Comprehensive | Theft or fire loss | Depends on your individual needs. |
Extraordinary Medical Loss | Medical bills over $100,000; covers next $1,000,000 | Important for very severe injuries. |