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Auto or car insurance coverage has two parts. The first is the liability section of the policy. It covers your financial responsibility for injuring others. Some liability is required by most states.
The second part of auto insurance covers the car itself. Comprehensive coverage reimburses losses from fire, theft or other perils. Collision coverage pays to repair losses caused by an accident. Often, this coverage is mandated by leasing companies or banks. There are also ancillary medical, car rental and other coverages which vary by state.
Utilizing high deductibles on the physical damage coverages can help reduce premiums. If you carry umbrella insurance, you must be sure that you carry the required amount of basic liability insurance to avoid a gap in coverage for a serious accident.
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The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific policy of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any policies of insurance. We encourage you to speak to your insurance agent and to read your policy contract to fully understand your coverages.