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Question: What is in an Auto Insurance Policy?
Question: What are the minimum insurance limits required in the state of...?

Your auto policy may include all 6 coverages or some of them. Each coverage is priced separately.

1. Bodily Injury Liability
For injuries the policyholder causes to someone else.

2. Medical Payments or Personal Injury Protection (PIP)
For treatment of injuries to the driver and passengers of the policyholder's car. At its broadest, PIP can cover medical payments, lost wages and the cost of replacing services normally performed by someone injured in an auto accident.

3. Property Damage Liability
For damage the policyholder caused to someone else's property.

4. Collision For damage to the policyholder's car from a collision
The collision could be with another car, a light post, fire hydrant, etc.

5. Comprehensive For damage to the policyholder's car that doesn't involve a collision with another car
Covered risks include fire, theft, falling objects, missiles, explosion, earthquake, flood, riot and civil commotion

6. Uninsured Motorist Coverage
For treatment of policyholder's injuries as a result of collision with an uninsured driver. Underinsured motorist coverage can also be included in an auto policy. Underinsured motorist coverage comes into play when an at-fault driver has auto liability insurance, but the limit of insurance is inadequate to pay for your damages.

Each state requires that you have certain types of coverages with minimum liability limits. The required state limits are listed in the table below.

If you lease a vehicle, the lease company will require that you carry at least $100,000 per person and $300,000 per occurence.

The insurance industry recommends that your bodily injury liability limits be $100,000 per person and $300,000 per occurrence.