Risk:

You cause a minor collision when glare from the setting sun blinds you in rush hour traffic. Damage is relatively minimal, but the other driver says her neck is in pain.

Coverage:

Liability coverage pays for bodily injury and property damage to another that results from covered losses you cause.

Risk:

You’re on your way to a ski weekend when you lose traction on an icy road — the impact when you slide into a guardrail damages your SUV’s front fender.

Coverage:

Collision coverage can help repair your vehicle if it’s damaged — or compensate you for its value if it’s a total loss.

Risk:

You suffer minor injuries when another driver runs a red light and clips your car’s rear fender. On top of it all, the driver doesn’t have auto insurance.

Coverage:

Uninsured motorist coverage covers the costs of your bodily injuries — up to your policy limit – when they are caused by an at-fault driver without any auto insurance. Underinsured motorist coverage picks up the costs of your injuries when an at-fault driver has some insurance, but not enough to cover your all of your damages.

Risk:

Your son and a passenger are both injured when his subcompact hits a tree.

Coverage:

Medical payments coverage can help with medical expenses if they’re caused by a covered accident — regardless of fault.

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