The most common vehicle is, of course, the automobile, and auto insurance is what most people think of when they think about insurance in general. Auto insurance for at-fault states (like Ohio and Indiana) includes these basic coverages:
Liability. Pays for damage or injuries that you cause to someone else (you are at fault).
Uninsured/Underinsured Motorists. Pays for your injuries if an uninsured or underinsured driver is at fault in an accident with you.
Medical Payments. Pays for minor medical bills for passengers in your car, when you’re at fault in an accident.
Comprehensive. This is coverage for your car should it be stolen, vandalized, or damaged other than from a collision. A deductible typically applies.
Collision. This is coverage for your car to be repaired when you are at fault in an accident. A deductible typically applies.