New York N. Carolina N. Dakota Ohio Oklahoma Oregon Penn. So you are buying a car. Take some of the guesswork out of buying automobile insurance. Automobile insurance does not provide just one type of protection. Usually several types of coverage or protections are bundled together in one policy.
Liability coverage is the cornerstone of most insurance policies.
This is coverage that applies if the driver of the insured automobile is negligent or determined to be responsible for the accident. Collision and comprehensive coverage are separate aspects of automobile coverage that can be purchased within an automobile policy. Collision coverage usually will cover repair costs or the actual fair market value of the insured vehicle if it is damaged in an accident. Comprehensive coverage, on the other hand, usually covers other damages or losses that can occur to an automobile as a result of occurrences such as hail, fire, theft or vandalism. Generally all occupants of an insured automobile are insureds for purposes of medical payments coverage.