Am I Covered for This?

A quick guide to your auto insurance coverages and how they work If you've been in an auto collision, there are four basic coverages that might come into play, depending on the policy you have purchased: Liability; Uninsured/Underinsured Motorist Coverage; Collision; Medical Payments coverage Liability Liability coverage, whether it's for property damage or bodily injuries, applies when you are responsible for causing a collision and someone else who was involved in the collision brings a claim against you. If a liability claim is made against you, your insurance company will investigate, and possibly defend against, the claim, but may be obliged to pay an amount up to the limits of your liability coverage to dispose of the claim. Every auto insurance policy that is written in Virginia is required to afford at least $25,000 in liability coverage, so you must purchase at least that much. But if a claim against you turns out to be [...]