Unlike basic/cheap auto insurance policies, a premium policy covers a wide range of things that guarantee maximum financial protection. A premium car insurance policy will cover the following:

• Bodily injury liability: This covers all costs associated with injuries and/or death that you may cause while driving your vehicle.
• Property damage liability: This one will reimburse others for any damage you may cause to their property such as utility pole or fence while driving.
• Uninsured motorist coverage: Sometimes, you may be involved in an accident, and the driver at fault is underinsured or uninsured. The underinsured/uninsured coverage comes into play at this stage. The coverage will cover the costs of a serious accident if the at-fault motorist is underinsured or uninsured.
• Personal injury protection: This coverage will reimburse you for medical expenses you may incur while treating injuries you or your passengers suffered in an accident. It may also cover lost wages and a wide range of other related costs.
• Collision coverage: This one will take care of repair costs for damage caused to your vehicle as a result of a collision with another car or object such as guardrail or tree when you are at fault. Keep in mind that collision coverage won’t reimburse you for normal wear and tear on your car or mechanical failure.