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The typical auto policy.
It is usually six different kinds of insurance all in one policy!
Let’s take a quick look at what they are:
1.Bodily injury liability insurance is in case you cause an accident and somebody else is hurt or even killed.
2.Property damage liability insurance is in case you damage property that belongs to somebody else. People have damaged all sorts of things and have been protected by their property damage liability. Garages, buildings, lampposts, fences, and carports. Just about anything you can hit with your car could be property of others.
3.Collision insurance is for the damage to your car as a result of colliding with another car or other object.
4.Comprehensive insurance is in case your car is damaged or stolen that doesn’t involve a collision. Let’s say a storm blows a tree branch on your auto and damages it. Or a someone breaks into it and causes damage or steals parts of the car. These things are typically covered by your comprehensive insurance.
5.Medical Benefits Coverage, PIP in som states, pays medical costs, income replacement and even funeral expenses for you, members of your family in the event of an auto accident, regardless of whom caused the accident. It even covers you if you’re a pedestrian.
6.Uninsured motorists coverage pays for injuries if a driver who doesn’t have insurance hits you. Even in states where insurance is mandatory, there are lots of drivers on the road who don’t have insurance