In most cases an auto insurance policy contains few different insurance coverage types. There are basic types of coverage, which are predicted by the law as obligatory (for example, in most states liability coverage is compulsory for automobile owners) and other coverage types can be chosen by a policy holder at his discretion according to his needs. Also types of coverage included in an auto insurance policy varies depending on class of insured automobile, ownership of automobile, etc. As usual collision coverage is purchased when you loan a car. In this section we consider main auto insurance components such as collision and comprehensive coverage, auto liability insurance, personal injury protection (PIP), and some others.

Main Types of Auto Insurance Coverage

It is very good idea to learn various coverage types before insuring your automobile. In this reference both compulsory and optional components of auto insurance policy are described.

Bodily Injury Liability Protection

Bodily injury liability coverage concerns injury or death occurred to the third party as a result of an accident.

Collision Auto Insurance Coverage

Collision auto insurance policy protects from repairs (not including the deductibles) in the cases of collisions. When repair of damaged automobile is impossible, especially it is actual for owners of old automobiles, this type of coverage provides remuneration of car value to policy holder. This type of coverage also ensures remuneration of medical expenses to injury of everyone riding in collision automobile. As well as liability coverage concerns injuries of pedestrians, who were hurt by an automobile. Deductible is agreed sum of money which is paid by the insured for repair in the case of accident before the insurance company will pay for repairs. Widely used deductible amounts in comprehensive and collision coverage are $100, $200 (standard), $250, $500 and $1,000.

Comprehensive Auto Insurance Coverage

Comprehensive auto insurance coverage is used in other cases then collisions auto insurance coverage. This may happen when your vehicle was harmed by fire, lightning, hail, wind or vandalism acts, comprehensive auto insurance coverage includes payments for repairs, but without the auto insurance deductible.

Full Coverage Auto Insurance

Full coverage auto insurance term is used for prior mentioned types of coverage: liability, collision and comprehensive.

Liability Auto Insurance Coverage

Liability auto insurance provides you the ability to transfer liability risks to the insurance company. Under policies of auto liability insurance, the insurance company agrees, among other things, to pay sums you become legally obligated to pay to another party. This enables you to minimize the troublesome or even devastating financial effects that you could experience in the event of your liability to someone else.

Personal Injury Protection (PIP)

Personal injury protection, named PIP, provides compensation for medical expenses of injured driver and his passengers if happens an accident regardless their fault. This auto insurance policy component works only in some states.

Property Damage Liability Coverage

In cases when your automobile damages somebody's property damage liability auto insurance protects you. In accidents may be damaged third party's vehicle, buildings, etc. This auto insurance coverage ensures also payments for legal services in cases of a lawsuit made by third party against you.

Rental Car Reimbursement & Towing Reimbursement Coverage

Rental reimbursement and towing coverage can be applied only if your car was damaged in an accident but not in cases of mechanical problems or usual vehicle wear. Rental reimbursement coverage you may use when your car is in repair after accident occurred. You can easily add this type of coverage to your auto insurance policy. Your insurance company under this coverage will reimburse expenses to towing and road emergency services according to your policy limits.

Uninsured Motorist Coverage

This type of coverage is intended to help you when other party of accident doesn't have auto insurance policy. Uninsured motorist coverage protects you from bodily injuries, as well as loss of earnings and non-pecuniary damages such as pain and suffering. Also sometimes it covers property damages of your automobile. Choosing uninsured motorist coverage remember that most of drivers doesn't have full auto insurance coverage and if you have serious losses in an accident this coverage will provide reimbursement of your expenses.

Other Auto Insurance Coverage Options

Insurers, as a rule, do not cover over real value of your automobile in case of accident. Sometimes insurance companies may pay you replacement value of your car with same model. It can be done often not far then six months after buying of your new vehicle. There is also available medical coverage for possible health problems payments for you and your passengers according to policy rates. About any aroused questions you may consult your insurance agent. Pay attention to medical coverage for your spouse. Usually it does spread on the cases of harm to your spouse, but you include these risks in your police. It may be free of charge, and better knows your insurance company. Ask them to clarify this issue as well as any others, so you will have no doubts and could choose the best protection with minimum expenses. Often for option there are proposed extended transportation coverage, labour insurance, mechanical breakdown coverage. So consider what additional coverage options you really need and with help of your insurer do the right choice for your benefits.