A typical policy bundles several separate coverages: bodily injury and property damage liability (pays people you injure), collision and comprehensive (your own vehicle), medical payments (your early medical bills regardless of fault), and uninsured/underinsured motorist (your injuries when the at-fault driver has no insurance or too little).

Each coverage has its own limits and deductibles, summarized on your declarations page. Most drivers discover what they actually carry only after a crash — review it before you need it.