A good automobile insurance policy includes several elements: personal property liability, uninsured motorist coverage, collision coverage, bodily injury liability, comprehensive coverage and personal injury protection (PIP). Some of these elements are mandated by the state and others are optional. Collision coverage pays for damages to a vehicle when it collides with another vehicle or object, even if the policyholder is at fault. Comprehensive coverage protects the policyholder in the event that his or her vehicle is stolen, vandalized, harmed by an act of nature or otherwise damaged. Both of these plans are always optional and very expensive.
The bodily injury and personal property liabilities are required by all U.S. states in one form or another; where the st View the rest of this article
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