Now to move on to the more detailed coverages. I will explain these in order to help you understand. All policies will have the Liability Insurance portion. This is what I first explained in the paragraph above. These limits can be modified and increased based on the insureds budget. Next will be Medical Payments. Medical payments covers the insured for injuries suffered as a result of an at-fault accident. This will cover the insured and/or passengers. Uninsured Motorist, covers damages caused by an uninsured driver to the insured. This is broken down the same way as the liability except there is usually a maximum property damage limit of $3500. Comprehensive and Collision together is usually referred to as “Full Coverage.” Comprehensive covers other than collision damages to your vehicle such as a theft or vandalism. Collision is any type of collision caused to your vehicle. These two coverages are combined to fully cover your vehicle. Depending on your carrier there are many other miscellaneous coverages you can purchase as well. Towing, Rental, Roadside and Loan Balance Coverage are some just to name a few. I hope this helped out a bit. If you ever have any question please feel free to leave us a message and we will be happy to help you with all your insurance needs. If you would like to check out some affordable auto insurance coverages yourself feel free to use our free comparison tool at 2autoinsurance.com. Thank you!