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Liability Insurance: This is the most basic form of auto insurance and is required in most states. It covers damages to another person or their property in the event of an accident where you are at fault.Collision Coverage: This type covers damage to your vehicle resulting from a collision with another car or object.Comprehensive Coverage: This provides coverage for damage to your car that is not caused by a collision, such as theft, fire, or natural disasters.Personal Injury Protection (PIP): Often called "no-fault" coverage, PIP covers medical expenses and lost wages regardless of who is at fault in an accident.Uninsured/Underinsured Motorist Coverage: This protects you if you're involved in an accident with a driver who either lacks insurance or whose insurance is insufficient to cover the damages.Each type of coverage offers distinct benefits, and understanding these can help you determine which policy best suits your needs.
