Various coverages offered by auto insurance policy

In majority of the states in the country, keeping auto insurance policy is mandatory. Auto insurance policy provides you much needed protection against damages causes to you and your vehicle due to accidents. Here you pay regular premiums to the car insurer and in turn the insurer compensates you for any kind of financial or physical loss due to car accident. Numerous auto insurance companies are available at the market place and it is very easy to obtain auto insurance quotes. From the numerous auto insurance quotes, you can easily find the one which meets your requirement best and moreover which is within your affordability. Whatsoever, here we discuss the various coverages offered by car insurance policy.  
  
Property damage liability  
  
Auto insurance policy provides protection to the damages that your car has inflicted on other's property or car. Generally, property includes their car, but it could be a house, a fence or any other property damaged in an accident. This also provides you legal defense in case another party files a lawsuit against you. It is indeed an excellent idea to purchase such auto insurance policy which covers property damage liability. However, according to the terms and conditions of the policy, it provides limited coverage.   
  
Bodily injury liability  
  
A good car insurance policy covers bodily injury liability. It gives coverage to the bodily injuries and death of other people for which you are responsible. This also provides you legal defense in case other people file lawsuit against you. Claims for bodily damages may include many things such as loss of income, medical bills or pain and suffering. If the accident is grave in nature, you may be willing to have enough of this policy to cover you against lawsuit, without losing your personal assets. This includes coverage to the people and not to the car. This coverage is mandatory in majority of the states.   
  
Comprehensive coverage (other than collision)  
  
It covers various damages to your cars such as if it is stolen, or if it is damaged by fire, flood or animals. Coverages under this is limited by the terms and conditions contained in the policy.   
  
Uninsured motorist bodily injury  
  
The uninsured motorist bodily injury covers you and other passengers for any type of bodily injury, damages or death, caused by another car which is not insured. If you have been injured but you are not responsible but the other driver is responsible and the other driver does not have any car insurance policy, then this policy covers the medical expenses. The parties covered by this policy include the policyholder, passengers and other drivers covered by the policy.   
  
Personal injury protection coverage  
  
It covers the policyholder, policyholder's relatives in the same household, passengers and other authorized drivers. It also provides protection to the policyholder and his/her family members if they got injured while riding in the car of someone else.   
  
Whatsoever, it is very important to have a proper car insurance policy, whether it is mandatory in your state or not.