Auto insurance coverages fall into some broad categories. They are, in general, Medical Payments, Collision, Comprehensive, Liability (Bodily Injury and Property Damage), Uninsured/Underinsured Motorist, Rental Car, and, if you live in a no-fault state, Personal Injury Protection (PIP).
BODILY INJURY LIABILTY INSURANCE. All states require bodily injury liability insurance, except for Florida (a no-fault state) and New Hampshire. As of June 1, 2010, Wisconsin now also requires bodily injury liability insurance.
PROPERTY DAMAGE LIABILITY INSURANCE. Property damage liability coverage addresses the costs of damages to the other driver's vehicle or property should you be involved and found at-fault for an auto accident. Commonly, property damage liability insurance also covers the damage caused by other authorized drivers of your vehicle. Currently, all states require property damage liability insurance.
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