• Property damage liability coverage
If you cause damage to other people’s property such as a damaged wall or crushed fender, the coverage will come in handy. Your auto policy will only pay for the damage caused if you or another permitted driver was operating the car at the time of the accident. The policy will also pay for damage caused to government property up to the limit you choose.
• Uninsured motorist (UM) coverage
If you or family members get involved in an accident with an uninsured or hit by a random hit-and-run motorist, the coverage option will cover the sustained bodily injuries. The coverage also applies when you or your family member has been hit by an uninsured or hit-and-run driver and injured as a pedestrian. In other words, the uninsured motorist coverage in your auto policy will pay you for losses caused by someone else.