Personal Injury Protection (PIP) is a form of no-fault auto insurance that protects individuals who are injured in an auto accident regardless of who caused the accident. PIP is the generally most flexible type of insurance available and is a beneficial addition to any auto insurance policy.

Uninsured/underinsured motorist (UM/UIM) coverage protects individuals when they are hit by other drivers who either have no insurance or whose insurance policies are too low to compensate all the damages. We recommend everyone to obtain UM/UIM coverage because of the high risk of insufficient compensation when involved in a motor vehicle accident.