Auto insurance coverage includes: Property, Liability and Medical.
Property coverage protects you in the case of damage or theft to your car.
Property Damage Liability coverage protects you in the event that you damage someone else’ property, such as another vehicle, a home, building or other structure.
Liability coverage protects you in the event you are at fault for bodily injury or damage to others. In other words, when you physically harm someone else, when driver your car. It is very important that you consider buying more than your state-required minimum liability coverage to protect yourself financially, in the event that you are sued for injuring someone else.
Comprehensive coverage pays for damage or theft to your vehicle resulting from accidents other than collision with another vehicle or structure. For instance, comprehensive will pay for damages caused by hitting a deer, a tree falling on the car or natural disasters such as hail or floods.
Uninsured or Underinsured Motorist coverage protects you in the event your are in an accident, caused by another driver, who either has no auto insurance or is under-insured. This also covers hit-and-run accidents.
Medical coverage, also referred to as Personal Injury Protection (PIP), pays the expenses associated medical treatment or lost wages, related to being at fault for an accident resulting in injury to yourself and other passengers in the vehicle at the time of the accident. It can also be used to cover funeral expenses in the cases where an accident results in a death of a driver or passenger.
Not all states require all of the coverage, so refer to your state Insurance Commission to find out exactly what is required in your area.
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