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Common auto coverages
Bodily Injury Liability:
For injuries the policyholder causes to someone else.
For treatment of injuries to the driver and passengers of the policyholder's car.
Medical Payments or Personal Injury Protection (PIP):
For damage the policyholder caused to someone else's property.
Property Damage Liability:
For damage to the policyholder's car from a collision. The collision could be with another car, a fence, a light post, a wall, etc.
For damage to the policyholder's car that doesn't involve a collision. Coverage includes fire, theft, falling objects, explosion, earthquake, flood, etc.
For treatment of the policyholder's injuries as a result of collision with an uninsured driver.