What Losses Can Auto Insurance Protect You From? 
There are 4 major potential losses that your auto policy protects you from : Bodily Injury , Property damage , Personal Injury , and physical damage to your vehicle . Let 's take a quick look at these . Be advised that I 'm speaking specifically for the state of Michigan . Your state may be slightly different . Bodily Injury - In Michigan if you injure someone in an auto crash , you can be sued for : Wrongful Death Disfigurement Loss of Bodily Function Loss of Wages These lawsuits are big dollars . Be sure you 're carrying high enough limits to protect your assets Property Damage - If you cause damage to property with your car , you can be sued to repair or replace that property Personal Injury - This is an injury to the driver and any passengers in the car . In Michigan , there is unlimited lifetime coverage for this . Check in your state for it 's specific limit . Physical Damage to your auto - This is the coverage that will fix your car for a covered accident . One last item I 'll cover is Uninsured and Underinsured Motorist coverage . This is a coverage you carry that will pay you if you are injured in a car accident and the at fault driver either has no insurance or not enough to pay what you 've won in court . I did n't touch on things like towing or rental reimbursement as I did n't really think that was what you were asking , but those coverages are also available as well as some other small , specialized coverages . the auto insurance policy is a complicated animal and you need an agent you can trust to be sure you build the right coverage in a way that you can afford it . 