What type of coverage is included in auto insurance policies?

Auto insurance policies typically provide coverage for property damage and personal injury liability. Property damage coverage pays for damage to another person’s property caused by your car, while personal injury liability pays for medical expenses for another person if you are at fault in an accident. In Oregon, auto insurance policies are required to have minimum coverage levels for both of these categories and other types of coverage. The minimum for property damage coverage is $25,000 and the minimum for bodily injury or death of one person is $25,000. The minimum for bodily injury or death of two or more persons is $50,000. In addition to the coverage listed above, auto insurance policies typically provide uninsured motorist coverage, which can help you pay for medical expenses if you’re injured in an accident and the other driver does not have insurance. It can also help pay for damages to your car caused by an uninsured driver. Some auto insurance policies also offer additional coverages, such as collision coverage, which helps pay for repairs to your car if it is damaged in an accident, and comprehensive coverage, which helps pay for repairs to your car if it is damaged by something other than an accident, such as a storm or fire. Finally, some auto insurance policies provide coverage for towing and labor, which pays for the cost of having your car towed and any labor charges that may be incurred. All in all, these policies provide an array of coverage options to help protect you and your car.

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