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