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Auto Insurance 101What Is Covered?This part is up to you. Once you've met the legal requirements for liability (and we tell you what these are when you get a quote), you should select other types and amounts of coverage that will tailor your policy to your own needs. Here's what an auto policy can cover, above and beyond your liability:Your car -- your automobiles as listed on the policy and any additional vehicles you buy over the next year. (Just make sure you register them with your carrier within 30 days of purchase.)
Your car against collisions - your car is covered against collisions it may have with any other object, no matter who caused it. (See collision insurance for more detail.)
Your car against damage from almost anything else - vandalism, theft, broken glass, storms, and falling objects. (See comprehensive insurance for more detail.)
You, your passengers, and your car against uninsured or underinsured motorists - if you are hit by someone who either does not have insurance, or does not have enough insurance to cover the accident, your loss is covered under your auto policy. (See uninsured, underinsured insurance for more detail.)
You and your passengers for medical injury payments - reasonable medical (and funeral) expenses incurred as a result of injuries sustained in an accident. (See medical payments insurance for more detail.)
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