It pays for injuries you cause to someone else. It pays for damage to someone else's property. It also pays for you and your family members if you are injured while riding in someone else's car or while you are walking. This pays for damage to your car resulting from a collision with another car or some stationery object. It will pay the amount above the deductible if you are at fault or in the case where you are, for some reason, unable to collect from the other party if they are at fault.
Examples are damage from fire, theft, flood, riot, etc.
How To Save Money On Auto Insurance Insurance rates can vary greatly. This means that repairs cost less than they do on some other cars and that it is not one thieves target. Take advantages of discounts. These can include discounts for having more than one car on your policy, or a car and a boat, RV, etc. You may be able to get a discount by combining homeowner's and life insurance policies with your auto policy.