his article was designed to break down the different automobile insurance parts so you can better understand them. There are typically common misconceptions on insurance in general. So before you decide to go with certain insurance coverage, read this article first so you are prepared. Categories of Automobile Insurance: 1. Bodily Injury Liability: Basically, bodily injury is an insurance you carry in case you do hard to someone else involved in You could, in turn, be sued for any amount your insurance does not cover. Example: you have 65k in coverage and did 100k in damage. You now become personally liable for the other 35k. 3. Personal Injury Protection, PIP: This pays for your medical bills and lost wages for you and any passengers involved in the accident. If in the case of death, it also covers funeral costs. Half the states require this coverage. If you have good insurance, this is etc. 5. Uninsured or Underinsured Motorist: This is an important insurance to consider even though it is only mandatory in a handful of states. This insurance starts when the person who you got into an accident with does not have insurance coverage, not enough or you were involved in a hit and run incident. Hopefully this article has help address some of the concerns when dealing with coverage. It is important to consider each section carefully an do some checking up on the company and insurance specifics before you commit. Most of the time the companies are legit and will give you the coverage you are looking for but always check online and get as many quotes as possible. Remember, comparing many quotes is the best way to find a good deal.