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Get the auto insurance that will help protect you. When you're shopping for auto insurance, you want to be adequately covered in case of an accident. After all, you're protecting your life and your investment, as well as the lives of those around you.

So, here's a quick primer that outlines the basics of auto coverage:

What's covered and What's not.

Most homeowners insurance policies will cover damage caused by such perils as fire, wind, hail, lightning, theft or vandalism. There are other homeowners policies that cover additional perils as well.
  • Liability coverage is very important coverage. Basically, if you cause an accident, hurt someone or damage someone's property, it can pay for covered damages and to defend you if a lawsuit results.
  • Collision coverage helps pay for damage to your vehicle if your car hits another car or object, is hit by another car, or your vehicle rolls over. This coverage is generally required if your car is financed or leased.
  • Comprehensive coverage helps pay for damage to your vehicle that is not caused by a collision. Examples include theft, vandalism, hitting a deer or other animal, storms and certain natural disasters.
  • Medical payments coverage helps pay for covered medical expenses for anyone injured while in your vehicle, regardless of who is at fault.
  • Uninsured/underinsured motorist coverage can help pay for damages and medical costs resulting from an accident caused by someone who has no insurance or inadequate insurance coverage.
  • Personal injury protection (PIP), also called no-fault insurance, pays medical expenses, lost wages and other damages regardless of who is at fault in an accident.