Types Of Insurance Policies, Car Insurance FAQs

What are the different types of policies and what do they cover?

Auto insurance is divided into several types of coverage:

Liability covers damage you cause to other people's property and injuries to the people themselves.
Collision covers damage to your own car in an accident.
Comprehensive covers losses other than collision, such as fire damage to your vehicle, break-ins, vandalism or theft, as well as natural disasters (earthquake, hail, hurricane, flood, etc.).
Medical payments insurance, usually in the range of $1,000 to $5,000, covers medical expenses for injuries. This "good-faith" coverage guarantees immediate medical payments for you, and your passengers, regardless of who is at fault. It also covers you and members of your household as pedestrians if struck by an automobile.
Uninsured motorist (UM) and underinsured motorist (UIM) coverage protects you if you are injured in an accident caused by others who carry insufficient or no liability insurance.
Extra coverages include expenses for towing, labor, "no-fault" coverage, etc. These are generally provided as add-ons or "endorsements" to your policy.

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