If you own a car, you are required by law to have coverage. If you are trying to keep costs low, you want to get the basic coverage, but it’s also important to know what you are paying for. There are several basic types of auto insurance coverage.

One type of coverage is for bodily injury liability. If you are in an accident, and other people get hurt, the body injury liability coverage covers the cost of treatment for the injured individual. When you purchase property damage liability, you get coverage for any type of property damage that is done to third parties. For instance, if you damage an individual’s car and you are at fault, this type of insurance will help cover the costs of repairs.

When you purchase auto insurance, you want to make sure that you have coverage for medical payments. In some policies, you can have medical coverage for the policy owner as well as passengers who are in the policy owner’s vehicle. Another important type of auto insurance coverage is the uninsured and under-insured motorist coverage. This insurance protects you if another driver has insufficient insurance or no insurance at all. In most states in the United States, this type of insurance only covers bodily injury losses. However, some states also cover property damage losses through under-insured and uninsured motorist coverage.

Other basic types of auto insurance cover include insurance for any physical damage that happens to your car. This could include damage done to your car by pedestrians or by natural forces. You can also get coverage for collisions. The collision coverage covers any loss that results from damage done to your vehicle if you are in an accident. Some people purchase comprehensive coverage, which covers most damage done to your car outside of a collision. This would include storm damage, wind shield damage, and similar occurrences.