A personal automobile or motorcycle policy provides the following coverages:
Collision Coverage – to pay for damage to your car if you hit another car or object.
Comprehensive Coverage – if your car is stolen or damaged by causes other than collision, such as fire, theft, vandalism, wind, flood, etc.
Liability Insurance – to protect you from costs related to bodily injury or property damage, if you’re responsible for an accident.
Bodily injury – bodily harm, sickness or disease, including death that results of an accident.
Property damage – physical injury to or destruction of tangible property.
Medical Payments – covering payments for medical services for you, your family or your passengers, if you’re hurt in a car accident. (Or as a pedestrian.)
Uninsured or Underinsured Motorists – to pay for damages caused by a driver with inadequate or no insurance.
Extended Transportation Expenses – to pay for a rental car or other transportation (such as a bus or taxi) while your car is being repaired as a result of a covered loss.
Auto Loan and Lease Protection – to pay an outstanding balance of your car loan or lease in excess of the vehicle’s value if your car is totally destroyed.
Many of these coverages are elected coverages, which means you may choose not to include them on your policy