Auto or car insurance coverage has two parts. The first is the liability section of the policy. It covers your financial responsibility for injuring others and their property.
The second part of auto insurance covers the car itself: comprehensive coverage reimburses you for your loss due to theft or damage caused by something other than a collision with another car or object; collision coverage pays to repair losses caused by an accident.
Often this coverage is mandated by leasing companies or banks. There are also ancillary medical, car rental, uninsured motorist, and other coverages.
Utilizing high deductibles on the physical damage coverage can help reduce premiums. If you carry umbrella insurance, you must be sure that you carry the required amount of basic liability insurance to avoid gap in coverage for a serious accident.
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