What does auto insurance cover?

An auto policy may include several types of coverage:

Liability: Helps pay for injuries or property damage you cause to others.

Collision: Helps pay for damage to your vehicle from a collision with another vehicle or object.

Comprehensive: Helps pay for covered losses such as theft, fire, hail, or damage from an animal.

Medical payments or personal injury protection: May help with medical expenses and, depending on the coverage, other costs following an accident.

Uninsured or underinsured motorist coverage: May help when an at-fault driver has no insurance or insufficient coverage.

Availability, requirements, limits, and deductibles vary. Ask an agent to explain what each part of a proposed policy would cover.