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understanding auto insurance

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bodily injury
If you injure someone in an automobile accident for which you are legally to blame, this coverage will pay claims for injury or death against you and the cost of legal defense
property damage
This is like bodily injury liability coverage except that it pays for at-fault damage that you cause to someone else's vehicle or property, and for which you are legally liable. this doesn't cover your car or property
medical payments
This coverage pays for medical, hospital or funeral expenses for you and others injured or killed while riding in your car, regardless of fault. It also covers you and family members if struck by a car as a pedestrian or if riding in another car
uninsured motorists
If you or your passengers are injured by someone who does not carry automobile insurance, UM coverage will pay for your injuries up to your policy limits. Includes medical expenses, loss of wages and related expenses and also applies if you are a victim of a hit and run driver
underinsured motorist
Pays for injury and death expenses to you or occupants of your car when the other persons insurance is inadequate and fills the gap in protection between the at-fault drivers bodily injury liability coverage and your UIM coverage
uninsured motorists property damage
Covers damage to your vehicle if involved in an accident with an at-fault uninsured motorist, when you purchase collision coverage this coverage isn't needed
collision
pays for damage to your car from an accident regardless of fault, usually includes a deductible for repairs to your car and the company pays the rest, larger deductible lowers collision premium