There are many types of coverage available on an automobile insurance policy. Some coverage is standard, with other coverage is optional. The main types of coverage are: Third Party Liability for Bodily Injury or Property Damage: Covers expenses related to the bodily injury or property damage to a third party when you are held legally responsible for the accident Accident Benefits: Provides coverage for some expenses related to an injury you obtain in an automobile accident (e.g. loss of income, medical rehab, attendant care, etc.) Family Protection: Provides benefits for the insured person(s) for injuries or death caused in an automobile accident by a third party who has insufficient insurance to cover the claim Direct Compensation for Property Damage: Provides coverage for physical damage to your vehicle when you are not at fault for an accident Comprehensive Coverage: Provides coverage for damage to your vehicle as a result of fire, theft, falling objects, collision with an animal, windshield damage, etc. Collision Coverage: Provides coverage for damage to your vehicle as a result of an at fault accident or a hit and run Supplemental coverage (such as loss of use, liability for non-owned automobiles, emergency road service, removing depreciation coverage, conviction protection coverage, accident protection coverage, etc.)