There are 6 components to auto insurance resulting in many different levels of coverage for you:
- Bodily Injury Liability
It pays the medical and other expenses of people injured in an accident you cause. This is required by most states.
- Property Damage Liability
It covers the damage your car causes to property, usually the other car or cars involved in the accident but also any objects you may hit (fenceposts, garages, buildings...). This is also required in most states.
- Uninsured/Underinsured Motorist
This pays for injuries to you, and, in some cases, damage to your car, if you are hit by a driver who doesn't have insurance.
- Personal Injury Protection
This coverage pays medical, and even funeral, expenses for you and members of your family and passengers in your car if it is involved in a collision, regardless of who caused the accident. It also covers you as a pedestrian if you are hit by a vehicle.
It covers the damage done to your car when it collides with another car or an object.
This covers damage to your car that results from something other than a collision, for example damage caused by vandals or a windstorm.
- Other Miscellaneous Coverage
Remember that sometimes "you get what you pay for". The cheapest option might not provide you or your family with the best protection. The saying goes "you don't need insurance until you have a claim." When you do have a claim, something that goes wrong, that's a terrible time to discover that you don't have adequate protection.