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There are different types of auto insurance coverage.
Liability Coverage:
  • Bodily Injury Liability: This type of liability coverage will take care of bodily injury for people that may be injured by you in an accident.
  • Property Damage Liability: This type of liability coverage will take care of property damage to another person's property that is damaged by you. For example, another person's car.
  • Physical Damage Coverage: There are 2 types of auto insurance coverage which cover Physical damage to your car:
    • Collision Coverage: This covers the damage and losses to your car when you are in a collision.
    • Comprehensive Coverage: This covers physical damage to your car that is NOT the result of a collision. This could be something such as a broken windshield hit by a rock or damaged in a storm or vandalism such as someone keying your car, etc.
    • Medical Coverage:
        This will cover medical expenses for you and other passengers in your car.

        Uninsured and Underinsured Motorist Coverage:
          This will cover you against another driver who has no auto insurance or insufficient auto insurance. Exactly what is covered varies from state to state, so be sure to check your policy to see what is actually covered. In most states, this will only cover bodily injury but in some states, this will also cover property loss and damage.

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