The key types of auto insurance coverage in automobile cases are property damage coverage and injury coverage. Collision is coverage you buy for your own car in case you damage it in an accident. There is also Comprehensive coverage you buy to protect yourself when you run into someone else’s car or when you cause an accident or run over a pothole or a deer.
Importantly, there are four different kinds of injury coverage – some that cover you, and some that cover other people:
- Liability — when you hurt someone else.
- Uninsured motorist coverage — when somebody who didn’t have insurance runs into you and hurts you.
- Underinsured motorist coverage — when somebody who doesn’t have enough insurance runs into you and hurts you.
- Medical Payments coverage – a sum of money available for medical bills incurred as a result of an accident that can be used regardless of fault