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Bodily Injury Liability
This coverage applies to injuries that you, the designated driver or policyholder, cause to someone else. Both you and listed family members are also covered when driving someone else's car with their permission. It's very important to have enough liability insurance because if you are involved in a serious accident you may be sued for a large sum of money. Definitely consider buying more than the state-required minimum to protect assets such as your home and savings.

Property Damage Liability
Property Damage Liability pays for damage you (or someone driving the car with your permission) may cause to someone else's property. Usually this means damage to someone else's car but it also includes damage to lamp posts, telephone poles, fences, buildings, or other structures.

Medical Payments or Personal Injury Protection
Personal Injury Protection (PIP) pays for the treatment of injuries to the driver and passengers of the policy holder's car. At its broadest, PIP covers medical payments, lost wages, and the cost of replacing services normally performed by someone injured in an auto accident. It may also cover funeral costs.

Comprehensive
Comprehensive coverage reimburses you for loss due to theft or damage caused by something other than a collision with another car or object, such as: fire, falling objects, missiles, explosions, earthquakes, windstorms, hails, floods, vandalism, riots, or contact with animals. Comprehensive insurance is usually sold with a $100 to $300 deductible though you may want to opt for a higher deductible as a way of lowering your premium.

Comprehensive insurance will also reimburse you if your windshield is cracked or shattered. Some companies offer glass coverage with or without a deductible. States do not require that you purchase collision or comprehensive coverage, however, if you have a car loan your lender may insist you carry it until your loan is paid off.

Collision
Our collision coverage pays for damage to your car resulting from a collision with another car, object, or as a result of flipping over. It also covers damage caused by potholes. Collision coverage is generally sold with a deductible of $250 to $1,000—the higher your deductible, the lower your premium. Even if you are at fault for the accident, your collision coverage will reimburse you for the costs of repairing your car (minus the deductible). If you're not at fault, your insurance company may try to recover the amount they paid you from the other driver's insurance company. If they are successful, you'll also be reimbursed for the deductible.

Uninsured & Underinsured Motorist Coverage
If you, a member of your family, or a designated driver is hit by an uninsured or hit and run driver, this coverage reimburses you. Underinsured motorist coverage comes into play when an at-fault driver has insufficient insurance to pay for your total loss. This coverage will also protect you if you are hit as a pedestrian.

There are other coverages available, such as rental reimbursement and roadside assistance, depending on the insurance company you are with.