### Understanding Auto Insurance
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Liability Insurance: This is mandatory in most states and covers the costs if you are at fault in an accident, including property damage and medical expenses of the other party.Collision Insurance: This covers damage to your vehicle resulting from a collision, regardless of who is at fault.Comprehensive Insurance: Often referred to as "other than collision" coverage, it covers non-collision related incidents such as theft, vandalism, or natural disasters.Uninsured/Underinsured Motorist Coverage: Protects you if you are involved in an accident with a driver who has insufficient or no insurance.Personal Injury Protection (PIP): Covers medical expenses and, in some cases, lost wages and other damages, regardless of fault.
