Understanding individual coverage's and their limits for your auto is important. To help you understand what combination of policies best suit your unique situation we advise you look over our list of common coverage's.

Towing and Labor

This covers some costs incurred for services rendered at the place of breakdown or for towing to a repair shop. It covers the delivery of gas, oil or a battery, but not the cost of these items. If you lock the keys in the vehicle or need a tire changed, this may also be covered. These services are often included in auto club memberships, which can result in unnecessary duplicate coverage.

Rental Reimbursement

This optional coverage will reimburse you for a rental car if your vehicle is disabled due to a covered loss. This coverage will pay all or part of your rental car costs.

Collision

While not mandatory, this reimburses damage to your car that result from an accident. Collision generally comes with a deductible, as much as $1,000, which you are required to pay up front. If the accident was not your fault (and of course it never is), your insurance company might reimburse you for the deductible amount.

Comprehensive

Reimburses for loss due to theft or damage caused by something other than an accident such as fire, earthquakes, falling objects or getting hit by very large animals such as deer, moose or confused rhinos. This coverage, seldom mandatory, usually comes with a small deductible - although cracked or shattered windshields are often fully compensated.

Bodily Injury

This covers you, or a family member in case of injury caused to a third party. Adequate liability insurance is essential given the high cost of going to court and, if you're found liable, paying the ensuing damages. Most states require liability insurance and the experts strongly recommend buying more than the state required minimum - as much as $100,000 per person and $300,000 per accident. Check into umbrella policies which expand coverage and increase compensation limits.

Medical Payments or Personal Injury Protection

Pays the hospital and doctor bills and lost wages incurred by the driver, or passengers, resulting from an accident.

Property Damage Liability

Pays for the damage you've caused to someone else's automobile or property. Does the same if someone was driving your car without permission.

Uninsured and Underinsured Motorist

Compensates you or a family member if involved in an accident with an uninsured motorist or a hit-and-run driver. Underinsured reimburses you if the driver at fault has an amount of insurance insufficient to compensate you for a total loss.