What damage does car insurance cover?

Answer 1

Car insurance is too broad to define what is covered and what is excluded. There are different options and coverages that cover different things. Some cover your car itself and will pay to repair your car; this is known as Comp and Collision. Some coverages protect you from being sued; these are Bodily Injury liability and Property Damage liability. Some coverages will pay for your injuries; these are Personal Injury Protection and/or Medical Payments coverage. Do you want to be protected from someone hitting you, injuring your family, and not having any insurance? If so, you will want Uninsured Motorist coverage.

Talk to your local insurance agent and have them go over all the different coverages and how they work and what they cover. It's best to know this before an accident and not after. After will be too late.