Bodily Injury Liability, Collision, Comprehensive, PropertyInjury Liability. Do you know what these terms mean? If you arecurrently paying for any type of auto insurance, then these aresome terms you should know to maximize the benefits of yourplan(s).

Bodily Injury Liability. If you were at fault in an accident andothers involved needed to go to the hospital and/or lost wagesfrom missing work, those costs would come out of your pocket ifyou are not insured with Bodily Injury Liability. Anyone willsoon realize how quickly those amounts can add up to. Manystates require you to carry Bodily Injury Liability. This typeof coverage can also help you in the event the other party takeslegal action against you.

Collision Coverage. In the event you need repairs orreplacements if your vehicle collides with another vehicle orproperty, you'll need this. The higher the deductible you elect,the lower your premiums will cost you. If you're at fault forsomething, well of course it would still be an accident, as Idoubt you'd plan to run into that guard rail, but how much wouldyou be able to afford to pay out of pocket for repairs? Don'tforget to check if this coverage is available in your plan!

Comprehensive Coverage. This is the coverage that pays fordamage caused from falling objects, fire, certain naturaldisasters, theft and vandalism.

Property Injury Liability. Can you imagine how much it mightcost should you accidentally drive into someone's house? Youwouldn't want to be caught without property damage insuranceshould you need to pay for repairs to another vehicle, buildingor anything else you might hit. As they say, you can never betoo sure what you may run into while driving!

With these different types of liability coverage, you'll quicklydiscover that unfortunate accidents soon become less dreadfulthen they seem. For example, imagine if you crashed into therear-end of another driver. Your liability coverage will kick inand pay for the damages that you caused with your insuredvehicle. Imagine having to pay those damage costs yourself outof pocket! It's important that you understand the basics of whatyou are paying for and why it is necessary. By knowing thesetechnical terms, you can make sure your auto insurance coverageis as complete and reliable as possible.

About the author:Dr. Drew Henry operates a network of auto-related websites,including World OfUsed Cars, I Buy MyCar and New HybridCars. Visit his sites today for more articles.