An auto insurance policy is a package of different coverage.
mostly it require you to purchase a minimum amount of certain
kinds of coverage. But if you're interested in protecting
yourself from a lawsuit or from hefty repair bills, then it
makes good sense to buy more than what's required.
If you cause an
accident, collision coverage will pay to repair
your vehicle. collision coverage is the most expensive part of
your auto insurance. Liability
coverage is the foundation of all auto insurance policy. If
you are at fault in an accident, your liability insurance will
pay for the injury person and property damage expenses
caused to others in the accident, including your legal bills.
Uninsured motorists coverage pays for your injuries
if you're struck by a hit-and-run driver or someone who doesn't
have auto insurance.
Medical payments coverage will pay for your and
your passengers' medical expenses after an accident.
Several supplemental auto coverages are available, either
as separate premium items or included in augmented policies.