Bodily Injury / Property Damage:  This covers you in the event you "hurt" someone or someone's property and you are "sued" and you are found to be legally liable.

Uninsured / Underinsured Motorist:  Pays for bodily injuries to you and passengers caused by an uninsured or underinsured motorist. 

Personal Injury Protection (NYS):  This is your "Benefit."   It pays your loss of wages and medical expenses if you are hurt in an accident.   It also provides coverage for your passengers.

Loss of the Covered Auto:  This pays to have your automobile repaired.  By utilizing deductibles you can reduce your premium.

Comprehensive:  Covers fire, theft, and vandalism.

Collision:  Covers accidental collision and damage to your covered auto.

Optional Coverage is available for:  Full Glass, Towing, Electronic Equipment and various others.