Bodily injury liability protection against claims or lawsuits that are brought against you by pedestrians riders in your car people in other cars whose injuries were caused by an accident for which you are responsible. Protection varies from $10,000 to $1,000,000 or more.
Property Damage Liability paid for the damage done to other people’s property such as a car a building a fence Amounts range from $5000 to $50000 protects you if and when you drive someone else’s vehicle.
Medical payments Covers person driving the car others riding in it whether nor not that driver is at fault
Collision Coverage for collision pays for damage to the car if it is in an accident Some people decline this coverage if their car is not worth much.
Comprehensive Physical pays for damages that result from a fire falling objects Theft Flood earthquake
Uninsured and Underinsured pays for personal expenses due to an accident if it can be shown that the driver of the other car was at fault if the other driver has little or no bodily injury liability coverage.
Cost of Insurance Value of the car impacts the cost of insurance.
Driver Rating Factor A chart based on characteristics age Sex kind of driving done other categories.
P = premium r = driver rating b = basic rate