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Insurance can seem complicated.
Following is a guide to understanding auto coverage options. Liability - Liability coverage may be the most important insurance protection available on your auto policy. It protects against financial loss should your covered auto be involved in an accident which injures another person or damages his or her property and you are held liable. Medical Payments - Reimburses medical expenses resulting from injuries to anyone in your auto. It also reimburses you and your household members for injuries while in other autos or if struck by an auto as a pedestrian.