Understanding Coverage Types

When shopping for auto insurance coverage, there are a lot of different options facing you, and making the wrong decision when determining whether or not to include them in your policy could cost you. It's a good idea to try and understand each of the coverage types available to you so you can make informed decisions regarding which to include as well as what deductibles and limits to choose.

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Property damage liability: Property damage liability pays claims for damage that you do to others' property in a car accident or other incident.

Bodily injury liability: Bodily injury covers any injury you cause to another person with your car. This injury can include fatalities.

Comprehensive: Comprehensive covers against damage to your car caused by anything other than collision. This includes theft, fire, wind, and water damage.

Collision: Collision covers your car when it is damaged by an impact with another car or object.

Personal injury protection (PIP): PIP covers injuries of people in your car or whom you hit as pedestrians.

Uninsured motorist bodily injury: Uninsured motorists who are at-fault in an accident and cause bodily injury to you may not be able to pay out-of-pocket for your injuries. Uninsured motorist bodily injury coverage will pay for your injuries in this situation.

Visit CarInsurance.com to learn some more insurance coverage definitions.