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What an Auto Policy Includes

Though coverage types will vary by provider, most plans include certain basic coverages. Here is an explanation of the most common coverages in a basic policy.

Liability Protection

The liability portion of your plan is usually what is required by law. Most states require certain levels of this protection to drive legally, so be sure to include it when applying for a plan. This is usually broken down into bodily injury liability and property damage liability coverage. Bodily injury liability helps shelter you if you harm or kill someone while operating your vehicle while the property aspect shelters you if your vehicle damages someone else's property. In both cases, liability protection will go towards your legal defense if you are sued as a result of an accident and will shelter you from any judgments against you. Make sure your plan includes enough of this protection to insulate your assets from a lawsuit. If you have any questions, please check out our insurance Frequently Asked Questions page.

Personal Injury

This will help pay for the medical bills of the injured driver and passengers of your vehicle. If you have adequate health insurance, you may want to exclude this element.

Uninsured/Underinsured Driver

This coverage will pay for your injuries and, depending on the laws of your state, damages caused by an uninsured or underinsured driver in an accident in which you are not at fault. This is important to include in your portfolio, as the number of uninsured drivers is on the rise.


Collision coverage will pay to repair or replace your vehicle in the event of a covered accident. The insurer will only reimburse you for up to the cash value of your vehicle at the time of the accident. Thus, if your car has little or no cash value, you can lower your auto insurance rates by eliminating this element.


This shelters you from damage resulting to your vehicle from non-accident-related incidents. For example, theft, vandalism, fire, and weather damage are usually covered events.