Question By: Auto insurance coverage is designed to protect drivers, passengers, and vehicles in various situations. The main types of auto insurance coverage include:
Liability Coverage: This is mandatory in most states and covers bodily injury and property damage that you may cause to others in an accident. It does not cover your own injuries or vehicle damage.
Collision Coverage: This pays for damage to your vehicle resulting from a collision with another car or object, regardless of fault. It's particularly useful for repairing or replacing your car after an accident.
Comprehensive Coverage: This covers non-collision-related damage to your vehicle, such as theft, vandalism, fire, natural disasters, and falling objects. It provides broader protection than collision coverage.
Personal Injury Protection (PIP): Also known as no-fault insurance, PIP covers medical expenses, lost wages, and other related costs for you and your passengers, regardless of who is at fault in an accident. It's mandatory in some states.
Uninsured/Underinsured Motorist Coverage: This protects you if you're involved in an accident with a driver who has no insurance or insufficient coverage. It covers medical expenses and, in some cases, property damage.
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