Auto Insurance: Beyond Minimum Coverage

First-time car owners are usually first-time auto insurance purchasers too. While simply buying the state minimum coverage might seem to be the simplest solution, it also means missing out on necessary coverage. Read on to learn the different sections of a complete auto insurance policy from Com-Co Insurance Agency Inc of Mount Prospect, IL and why you should go beyond the state minimum requirements for liability and property damage.

Bodily Injury Liability

The coverage referred to as bodily injury liability pays the medical bills of those you cause injury to in an accident who are traveling in another vehicle or are pedestrians. This coverage applies to the driver(s) specifically named on the policy.

Medical Payments

Also referred to as personal injury protection (PIP), medical payments insurance pays the medical bills of the driver and their passengers. It can also provide lost wages payments or the cost of replacing the services provided by an injured party. In some cases, it covers funeral costs.

Property Damage Liability

Property damage liability pays for damage a driver named in the policy causes to another person’s property. It includes vehicles, fences, mailboxes, etc.


You’ll need collision coverage to pay for repairs to your own vehicle. While deer collisions are covered by comprehensive, collision handles the repair costs if your vehicle collides with another vehicle and it is your fault.


Comprehensive coverage covers repairs due to other items besides another vehicle or stationary object, such as birds or deer. It covers catastrophic events like earthquakes, explosions, falling objects, fire, flood, hail, missiles, riot, vandalism, and windstorms.

Uninsured and Underinsured Motorist Coverage

Uninsured and underinsured motorist coverage pays for your damages if you’re hit by an uninsured or underinsured driver. It also covers your injuries if you’re struck as a pedestrian or the victim of a hit-and-run.

Contact Com-Co Insurance Agency Inc of Mount Prospect, IL to learn more about how the right auto insurance coverage can protect your vehicle and you. With the right policy, you’ll have peace of mind knowing everything that could go wrong is covered.