GENERAL TIPS ON AUTOMOBILE INSURANCE:
Automobile insurance is divided into several different types of coverage. Most people know the first few on the list, but it is good to understand the entirety:
1. General Liability - this covers damages you may cause to other person's property, and any bodily injuries.
2. Collision - covers the damages to your own vehicle in an accident.
3. Comprehensive - covers fire damage, theft, vandalism, and damage from natural disasters.
4. Medical Payments - this coverage guaruantees immediate medical payments for your, your passengers, and other parties - regardless of who is at fault. It also covers you and your family in an accident where you are hit by a car when walking, bicycling, or in a friends car.
5. Uninsured Motorist and Underinsured Motorist - covers you if you are in an accident where the other driver is at fault and carries no insurance or a very minimal ammount.
6. Extra Coverage - this includes coverage for expenses such as towing, labor, temporary replacement vehicles, etc. These are sometimes called "add-ons" to your policy or "\endorsements".
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