In most states certain minimum coverages are mandatory, the amounts of such coverage vary among policies. Most coverages are discretionary. Therefore, you should choose your coverage carefully to avoid being over insured, (resulting in unnecessary premium costs to you) or under insured. For those who are not familiar with auto insurance policies, the following are the basic coverages:

*  Liability covers physical injuries to other people, including compensation for expenses that might arise from such injuries, and damage to other people’s property.

*  Comprehensive and collision covers damage to your car due to collision or overturning, fire, flooding, or theft (there is usually a deductible).

*  Uninsured (or underinsured) motorist covers the expenses of an accident if the other driver has insufficient insurance.

*  Medical protects you against medical costs for injuries to you and other riders in the car.