What Does Auto Insurance Protect Me From? 
An auto isnurance policy is made up of several different coverages which cover a variety of things . Keep in mind insurance is also State specific , so the specific coverages that make up an auto policy can vary from state to state . In my state -LRB- TN -RRB- , the typical policy is made up of ; Liability - pays to the injuries or others subject to your policy limits Property Damage - Pays to fix damaged property of other subject to your policy limits Medical Payments - paid to you or your passengers subject to the policy limits Uninsured/underinsured motorist - covers you if another does n't have any or enough insurance subject to policy limits Comprehensive - subject tothe policydeductible , covers things like fire , theft , water , glass or collision with an animal . Collision - subject to a policy deductible covers damage to your car when the accident is your fault . There are other coverages like rental car expence , towing , etc. that can be added to a policy . The above is a very brief overview . Check out WEBSITELINK for a pretty indepth explanation of an auto insurance policy . It is also best to speak with a local independent agent in your area and ask them about speciifcs for your state and your personal needs . 