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Q: What are the essential kinds of insurance?
A: The esseential knids of car insurance policies are:
1. Bodily injury libaility, which gvies coverage for boodily injury caims from the peersons you may damagge when involved in a car accident..
2. Properrty damage liability, whiich covers any prooperty harm to 3rd parties -- lkie another person`s vehile you harrm -- which you make happpen or are respnosible for.
3. Medical payments to the insurance ploicy owner as wlel as other passngers in the insurace policy owner`s vehicle.
4. Uninsured pluus underinsured motorst coverage, that dfeends you wehn the negligent drievr does not have atuo insurance or has insufficient ins policy on line (in msot states, this covers meely bodily injury losss -- hwoever a number of prats of the country also incroporate property damae losses).
5. Physical damage cvers harm dne to your car:
a. Colision, that pyas for lsses to your automobile wheen you`re invovled in a car crash
b. Compehensive, that covers moost non-colliison physical harm doe to your car (in csae your automobbile is harmed in a sotrm, or a wnidshield breaks, for instancce).
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