| There are a number of different types of auto | | | | cost of another vehicle if you are not |
| insurance that are available to drivers. In | | | | driving your own when the accident occurs. |
| the United States, auto insurance is | | | | |
| mandatory and not a choice. However, drivers | | | | Comprehensive insurance coverage can also |
| can enjoy a number of varying insurance | | | | cover the cost of your vehicle if your car is |
| offerings in order to allow them the | | | | stolen, damaged by animals, a fire or |
| flexibility in cost and coverage that they | | | | flooding. Specific coverage is limited to the |
| are looking for from their insurance company. | | | | terms and conditions set forth in your |
| Not all insurance companies offer the varying | | | | insurance policy; as such, individuals need |
| types of coverage, so it is very important | | | | to check with their insurance company for |
| for you to check with your company to learn | | | | details in their policy. |
| the limitations of what they have to offer | | | | |
| you. | | | | Underinsured motorist property damage covers |
| | | | the cost of repairs when the negligent party |
| Liability coverage from an auto insurance | | | | possesses insurance, but the limitations of |
| company will cover the damage that occurs to | | | | which would not be enough to repair the |
| other drivers as a result of your actions. | | | | damage caused. Underinsured motorist bodily |
| There are a few different levels to liability | | | | damage covers the medical costs for you, |
| coverage. First, bodily injury liability will | | | | members of your household and passengers in |
| cover the cost of another person's medical | | | | your car when the insurance of the negligent |
| costs or death if they are hurt in an | | | | driver does not cover the entirety of the |
| accident that is found to be your fault. If a | | | | amount needed. Uninsured property damage |
| person in an accident files a case against | | | | protects the vehicle of a person who gets |
| you as a result of the accident, liability | | | | into an accident with a negligent driver who |
| coverage can provide you with some legal | | | | does not have insurance. |
| defense. You will want your liability | | | | |
| coverage to ensure that if a claim is brought | | | | Uninsured motorist bodily injury protects |
| against you, you have enough insurance to | | | | insurance policy holders, members or their |
| cover a judgment without involving your own | | | | household and passengers in their vehicle |
| personal finances or assets. | | | | from medical costs or the costs of death. |
| | | | This policy will be relevant in the event |
| Property damage liability covers the cost of | | | | that an no-fault driver does not have |
| repair or replacement when you damage someone | | | | insurance. Only twelve states within the |
| else's property in an accident if the | | | | United States offer no-fault insurance, where |
| accident is proven to be your fault. | | | | insurance coverage is covered on the part of |
| Insurance collectively referred to as | | | | the policy holder regardless of whose fault |
| comprehensive and collision coverage will | | | | the accident may be. This means that your |
| cover the cost of repair or replacement of | | | | vehicle or bodily damage will be covered by |
| your vehicle in the event of an accident. In | | | | your own insurance, whether you are the |
| some cases, the coverage will also cover the | | | | negligent driver or not. |