What is covered with my Auto Insurance Policy?
Answer:
Auto insurance policies come with several different
types of coverages including comprehensive, collision, and liability. In addition, you can purchase auto policies with optional coverages.   

The liability portion covers damages to other people when your vehicle is involved in an accident. Typically, medical costs, property damages, bodily injury, death, loss of income, and other costs are paid out of the liability insurance. Basic liability insurance is mandatory for drivers. You can get liability insurance with higher limits to further protect your financial losses. For example, if you live in an area with lots of expensive cars on the road, you might consider increasing your limits. 

If you finance your car, you will be expected to carry full coverage by the lender. The comprehensive portion of the policy covers damage done by outside forces such as theft, storms, vandalism, or something other than a car accident. The collision portion takes care of damage due to a car accident.

Depending on your policy, other claims may be covered including uninsured/underinsured motorists, medical payments, and roadside assistance. These are optional so you may or may not be covered.
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