Fault or No-Fault -- This depends on the law in your state.
Collision -- Pays damages to your own vehicle. Generally, there is a deductible.
Comprehensive -- Pays for losses from fire, theft, storm, etc. Generally, there is a deductible.
Deductible -- The amount of a covered loss you agree to pay.
Bodily Injury -- Pays for injury to others when you are at fault.
Property Damage -- Pays for property damage when you are at fault.
Medical Payments -- Pays for your own or your passenger's medical expenses.
Personal Injury Protection -- In no-fault states, this covers a broad assortment of medical expenses.
Uninsured/Underinsured Motorist -- Pays for coverage to you if other driver is not insured or is underinsured.
Mechanical Breakdown Insurance -- Pays for repairs, car rentals and more when breakdowns occur.

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