A standard auto insurance policy is made up of the following coverage's.

» Bodily injury liability does not protect you or your vehicle directly. If you cause the accident that injures the other party this protects you against their claim for lost wages, excess medical expenses and pain and suffering.

» Medical payments pay the medical and funeral expenses of the injured driver and passengers in your car. There may also be coverage if you are hit by a car.

» Uninsured/Underinsured motorists coverage protects you for injuries by an uninsured driver or a driver who did not purchase enough insurance to cover your claim.

» Comprehensive physical damage coverage pays for losses resulting in damage to your car caused by flood, fire or animals. This coverage also provides supplemental payments for transportation expenses in the event your insured vehicle is stolen and will cover broken windshields less your deductible.

» Collision coverage provides protection in the event your car is involved in a collision with another vehicle or object. To keep your premiums low, it is recommended you take the highest deductible amount you can afford to pay (out of pocket).

» Property damage liability pays for any damage you cause to the property of others.

» Rental car reimbursement pays car rental expenses while your car is being repaired because of an accident.