One of the first surprises for many people who are involved in an auto accident is finding out that they are not adequately insured.  Many people mistakenly think they are fully covered because they have "full coverage".  Unfortunately, there is no standardized definition for the term "full coverage".  (More)

       Med-Pay coverage is a form of no-fault coverage which pays for medical expenses incurred by you or any occupant of your vehicle regardless of whether the wreck was your fault or the fault of someone else.  It doesn’t matter if you hit a deer, a ditch, another driver or if another driver hit you – as long as you were in your vehicle and incurred medical bills as a result of the accident, Med-Pay will cover the bills, up to the Med-Pay limits which you have purchased. (More)

When you purchase uninsured motorist coverage, you are basically buying liability coverage for people who don't bother to buy their own.  The basic concept is straightforward – if you are involved in an accident which is the fault of someone else and if the other person does not have liability insurance to cover your damages, you can turn to your own uninsured motorist coverage for compensation for your medical bills and other damages. (More)