The value of your insurance coverage is dependent on the type of car insurance coverage that you or the driver-at-fault has, and the type of accident you were involved in.

There are different coverage options per state, but a typical auto insurance policy has the following types of coverage:
• Liability
This includes coverage for bodily injury and personal property. This will cover the other party’s medical bills and vehicle repairs, but not yours or your passengers.
• Collision
If your vehicle collides with another vehicle or a fixed object such as a lamp post or a telephone pole, this coverage will help pay for the damages to your car. This is usually purchased with a Comprehensive Coverage.
• Comprehensive
Comprehensive Coverage protects your car in case of a natural disaster or a falling object.
• Uninsured/Underinsured Motorist Coverage
This is required by almost half of the states for times when you are involved in an accident with a driver without insurance or have inadequate coverage. This coverage will pay for medical bills and car repairs.
• Medical Payments
If you have a passenger with you who is injured at the time of the accident, this coverage will pay for their medical expenses and yours.
• Personal Injury Protection (PIP)
Also known as the “no-fault” insurance, this is similar to Medical Payments coverage, but with a wider range of costs.