Auto insurance protects you against financial loss if you have an accident.
An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you’re financing a car, your lender may also have requirements.

1. Bodily Injury Liability
   For injuries the policyholder causes to someone else.
2. Medical Payments or Personal Injury Protection (PIP)
   For treatment of injuries to the driver and passengers of the policyholder’s car.
3. Property Damage Liability
   For damage the policyholder caused to someone else’s property.
4. Collision Coverage
   For damage to the policyholder’s car from a collision. The collision could be with another car, a light post, fire hydrant, etc.
5. Comprehensive Coverage
   For damage to the policyholder’s car that doesn’t involve a collision with another car. Covered risks include fire, theft, falling objects, missiles, explosion, earthquake, flood, riot and civil commotion.
6. Uninsured Motorist Coverage
   For treatment of policyholder’s injuries as a result of collision with an uninsured driver. Underinsured motorist coverage can also be included in an auto policy. Underinsured motorist coverage comes into play when an at-fault driver has auto liability insurance, but the limit of insurance is inadequate to pay for your damages.

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