There are six basic auto insurance coverage components. They are:

• Bodily injury liability (Required in most states): For injuries the policyholder causes to someone else.
• Property damage liability (Required in most states): For damage the policyholder causes to someone else's property (usually vehicles).
• Medical payments or personal injury protection (PIP) (Required in some states): For treatment of injuries to the driver and passengers of the policyholder's car.
• Collision (Generally optional): For damage to the policyholder's car from a collision. The collision could be with another vehicle or a tree etc.
• Comprehensive (Generally optional): For damage to the policyholder's car that doesn't involve a collision with another car. Covered risks may include fire, theft, vandalism etc.
• Uninsured motorist (Required in some states): For treatment of the policyholder's injuries that result from a collision with an uninsured driver. This coverage comes into play when an at-fault driver has liability insurance, but the limit of that insurance is insufficient to pay for your damages.

Requirements by State

*The first two numbers refer to bodily injury liability limits and the third refers to the property damage liability limit. (ex. 20/40/10 means coverage up to $20,000 for each person injured in an accident, up to a maximum of $40,000 for the entire accident, and $10,000 worth of coverage for property damage.) The state minimums are based on the most current information available. You should check your specific state requirements to verify these figures.