There are many different types of insurance, but only a few that we need everyday and auto insurance is one of those. Car insurance coverage is broken down into several different types and you may or may not need some of the coverage types depending on your needs. Here is a list of the various types of coverage

Bodily injury liability, this type of coverage is really nice to have as it pays for any injuries that some might sustain in an accident caused by you. If you hit someone and their arm is broken, this will cover all medical expenses.

Liability coverage is similar to the one above except it covers all damage done to the vehicle you hit. If you total another person's car in an accident it covers the price of the car.

Collision Coverage covers all damages to your car in the event of an accident.

Comprehensive coverage covers all non collision damages such as hail or other storm related damages.

Uninsured/underinsured motorist coverage this coverage type helps when you in an accident with an irresponsible drive without insurance. This coverage type is one that isn't used very much but if you ever get into an accident with an uninsured person it can cost a lot of money. This coverage type is a very nice addition to any policy.

Now it's up to you to decide what type of coverage is right for you, you can have all of the above in one policy if you are willing to pay for the premiums.

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