Car insurance can seem confusing. But once you understand the different types of coverages that make up your policy, it’s not hard at all. Your car insurance is really a package of seven primary coverages. Taken together, these coverages make up a standard auto policy. Each of these coverages has its own separate premium. Your premium payment is the total of these separate premiums.

1. . Bodily injury liability   is one of the most important types of coverage in car insurance. In this kind of coverage an injured person's gets medical expenses and lost wages as coverage if you're at fault in a car accident. Bodily injury coverage can also help protect you in the event of a related lawsuit. Most states require you to carry bodily injury coverage but in some states, the minimums can be as low as $20,000. If you are at fault in an auto accident, the medical costs of the other party can easily surpass this number. Your insurance company will then pay the $20,000 or the maximum benefit and you can be sued for the remaining payments. It's not that much expensive to increase this coverage to $100K or even $300K; the extra cost in premiums will give you peace of mind knowing that you have this added protection.

2.  After bodily injury coverage, Property Coverage is probably the next most important types of coverage in your car insurance as property damage coverage helps you pay for damages to another person's property. Property damage coverage can also help protect you in the event of a related suit.

3. Liability insurance is the foundation of any auto insurance policy. If you are at fault with an accident, your liability insurance will pay for the bodily injury and property damage caused to others in the accident.

4. Collision coverage helps pay for auto repair or replacement costs if your car hits another vehicle or object. Unlike, bodily injury protection or property damage coverage, it is not a type of liability coverage that helps compensate losses caused by others. It exists solely to help compensate you. Therefore, it is you to decide de whether to purchase or not. The premium will vary based on the value of your car, your driving record, and the amount of the deductible. The deductible is the amount you are responsible to pay before the insurance will cover the remaining costs. Lower the deductible, the higher the premium.

5.Car insurance with Comprehensive coverage is your best to protect you from loss of your car. When it gets stolen and the police cannot do much apart from filing complain. Car may or may not get recovered. If recovered it may stripped down for parts. Comprehensive coverage helps pay for damage to your vehicle resulting from falling objects, fire, certain natural disasters, and vandalism.  Unlike, bodily injury protection or property damage coverage, it is not a type of liability coverage that helps compensate losses caused by others. It exists solely to help compensate you. Therefore, it is generally optional and you will need to decide whether you purchase it. The premium will generally vary based on the value of your car, the location where you're car is garaged and driven, and the amount of the deductible. The deductible is the amount you are responsible to pay before the insurance will cover the remaining costs. Lower the deductible, the higher the premium.

6.Personal Injury Protection coverage is a set of coverage’s not available in all states. It’s often a required part of your car insurance policy. If you or another individual is injured in an accident, PIP plans generally help pay for medical costs, lost wages, and other expenses. PIP coverages vary from state to state so it’s better to check what is available and required in your state. In states where it's optional, you will want to consider whether you need this coverage. If you and your passengers are already covered by existing health plans and disability insurance, you may find this to be a waste.

7.  Uninsured motor coverage pays for medical expenses, lost wages, and other general damages when policyholders, authorized drivers, or passengers are injured in an accident caused by a driver who has no auto insurance. It may also pay for injuries in hit-and-run accidents. Covered costs are subjected to the limits as per policy purchased by you.

8.Underinsured motorist bodily injury coverage pays for similar expenses when the accident is caused by a driver who has insufficient auto insurance coverage.

9. Rental reimbursement coverage pays for a rental vehicle when the insured's vehicle is out of commission as a result of a loss covered under comprehensive or collision coverages.

10.Coverage for towing and labor charges in case of a road breakdown is also common.

11.Gap coverage for your new car will pay the difference between the actual cash value you receive for the car and the amount left on your car loan if your vehicle is totaled in an accident.

Payroll Services and Management-KCS RightSource is the principal provider of HR, Payroll and Time and Attendance software solutions and services to organisations throughout the UK.

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