What are the different types of auto insurance?

Question:
Doesnt need to be specific, I just need all of them.

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Thank you.

Answers:

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The basic types of auto insurance coverages are:

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1. bodily injury liability, which provides coverage for bodily injury claims from the people you might injure in an accident

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2. property damage liability, which covers any property damages to third parties -- such as another person's car you damage -- which you cause or are responsible for

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3. medical payments to the policy owner and other passengers in the policy owner’s car

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4. uninsured and underinsured motorist coverage, which protects you when the negligent driver has no insurance or insufficient insurance (in most states, this covers only bodily injury losses -- though some states also include property damage losses)

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5. physical damage covers damage to your car

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a. collision, which covers losses to your car when you are involved in a collision

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b. comprehensive, which covers most non-collision physical damage to your car (if your car is damaged in a storm, or a windshield breaks, for example).

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Another one that was missed was uninsured motorist property damage. Only some insurance companies/states offer this, and it is usually only available if you don't carry physical damage coverage on the vehicle. Sometimes a deductible applies. This coverage comes in handy if your vehicle is involved in a hit and run...so instead of using your collision coverage, it comes out of the uninsured motorist physical damage coverage.
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