Auto insurance policies can be complex and confusing, but they are essential for protecting you and your vehicle. Here is a breakdown of the key components of a personal auto policy:

Liability coverage:

This coverage protects you if you cause an accident and someone is injured or their property is damaged. It can cover legal fees, medical expenses, and other costs associated with a lawsuit. Liability coverage is typically split and provided through two parts: bodily injury and property damage although some carriers provide coverage in a single limit form for both bodily injury and property damage combined.

Collision coverage:

This coverage pays for the cost of repairing or replacing your vehicle if it is damaged in a collision with another vehicle or object, regardless of who is at fault.

Comprehensive aka Other Than Collision coverage:

This coverage pays for the cost of repairing or replacing your vehicle if it is damaged by something other than a collision, such as theft, vandalism, or severe weather. This is also the coverage that provides glass coverage with or without a deductible.

Medical Payments coverage:

This coverage pays for medical expenses and lost wages if you or your passengers are injured in an accident, regardless of who is at fault.

Uninsured/Underinsured Motorist coverage:

This coverage protects you if you are involved in an accident with someone who does not have insurance or does not have enough insurance to cover your damages.

It's important to note that auto insurance policies have limits and exclusions, so it's important to review your policy carefully and speak with your agent to ensure that you have the coverage you need.

Additionally, you may want to consider purchasing additional coverage for events that are not typically covered by a standard policy, such as roadside assistance or rental car coverage.

In summary, a personal auto policy is essential for protecting you and your vehicle on the road. By understanding the key components of your policy and working with your agent to ensure you have adequate coverage, you can have peace of mind knowing that you are protected in the event of an unexpected loss.