The coverage choices on an auto policy.
Every policy is different. Your agent walks you through what yours includes and what it costs before you decide.
- Bodily injury liabilityCovers medical expenses for other people injured in an accident you cause.
- Property damage liabilityCovers repairs to another person’s vehicle or property when you are at fault.
- CollisionPays for damage to your vehicle from hitting another car or object.
- ComprehensiveCovers damage from events other than a collision, such as fire, theft or weather.
- Uninsured / underinsured motoristIncluded in most auto policies. Helps when the other driver has no insurance, or not enough.
Source: NAIC consumer insurance topics: auto insurance. Coverage, price and approval are decided by the insurance company.
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