All states require drivers to carry at least the minimum amount of car insurance coverage. You want to make sure you have proper coverage in order to protect you from having to pay huge bills in case an accident should occur. Your policy will state the exact terms and conditions of your coverage. Some of the common types of auto insurance coverage include:

Bodily Injury Liability Coverage: This type of insurance provides coverage if you caused an accident. It will help pay for the injuries caused to someone else. It might pay for medical expenses, loss of income, pain and suffering, funeral expenses and legal fees. In most states, this type of coverage is required.

Property Damage Liability Coverage: When you are at least partly at fault in an accident, this type of car insurance coverage pays for the damages that occurred to someone else’s vehicle. It could pay for parts, or it could pay for personal items that were damaged inside the car.

Medical Payments Coverage: This type of auto insurance coverage will pay for medical expenses that you need if you are in an accident. It will also cover your passengers, or it will cover you if you were a pedestrian and hit by a vehicle. It can help cover expenses that your general insurance will not cover. T

Personal Injury Protection, or PIP: This type of coverage is like a general insurance policy. If anyone hurt in the accident does not have health insurance, PIP insurance will cover the cost. If you have personal injury protection insurance, you cannot get stuck paying the medical bills for anyone who was hurt.

Uninsured/underinsured coverage: Unfortunately, some people driving on the roads to not have any insurance, or they do not have adequate car insurance coverage. This type of insurance will cover the cost if you have an accident with someone who does not have proper auto insurance coverage.

Collision Coverage: This type of coverage will pay for damage that has occurred to your vehicle. It will give you the money to replace or repair your vehicle. You will still be required to pay the deductible.

Comprehension Coverage: This type of insurance provides coverage if your vehicle is damaged by fire or flood. It will also pay for damages as a result of theft or if your vehicle is hit by an animal on the road.