The basic types of auto insurance coverages are:
- Bodily Injury Liability, which provides coverage for bodily injury claims from the people you might injure in an accident.
- Property Damage Liability, which covers any property damages to third parties — such as another person's car you damage — which you cause or are responsible for.
- Medical Payments to the policy owner and other passengers in the policy owner’s car.
- Uninsured and Underinsured motorist coverage, which protects you when the negligent driver has no insurance or insufficient insurance (in most states, this covers only bodily injury losses — though some states also include property damage losses).
- Physical damage covers damage to your car.
- Collision, which covers losses to your car when you are involved in a collision.
- Comprehensive, which covers most non-collision physical damage to your car (if your car is damaged in a storm, or a windshield breaks, for example).