Most states require bodily injury and property damage coverage for an accident you cause. However, there are many types of auto insurance that might fit your needs. Here, we discuss the main car insurance coverage options.

Bodily Injury And General Liability Insurance

When you cause an accident that injures another driver or passenger, they may suffer bodily injury. To help cover this cost, you can buy bodily injury insurance. BIL pays for the victim's medical bills up to the policy limit. It may help pay for the legal costs if you're being sued.

General liability insurance covers damages or the replacement value of another vehicle. It's triggered if you cause the accident.

Other Types of Auto Insurance

There are many optional car insurance coverages that help protect you from financial loss due to a covered event.

Comprehensive covers damage to your vehicle due to fire, theft, hail or vandalism. For covered perils, comprehensive coverage takes care of repairs or replaces your car up to the cash value minus the deductible.

Uninsured/underinsured motorist pays for damages due drivers who don't have sufficient coverage to pay for your losses. It also pays for damage due to uninsured drivers. Even though every state requires some form of car insurance, many people drive without it.

Medical payments insurance covers you or a family member driving your vehicle, as well as any passengers in the car. For an insured vehicle involved in an accident, this coverage helps pay the medical bills for associated injuries.

If you have special requirements, talk to your auto insurance agent about other policies available, such as:

• Rental reimbursement/transportation expense
• New car replacement
• Gap coverage
• Ride-sharing
• Towing and labor cost
• Classic car insurance
• Sound system

Be sure to consider the deductible that you can afford. Deductibles may differ for various insurance options.