> ## Documentation Index
> Fetch the complete documentation index at: https://docs.nelsonandassociatesinc.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Auto insurance

> The main auto insurance coverages — liability, collision, comprehensive, and more — in plain language.

**Auto insurance** helps pay for damage and injury when you drive. Most states require at least liability coverage; many drivers also carry protection for their own vehicle.

## Common coverages

* **Bodily injury liability** — injuries you cause to others
* **Property damage liability** — damage you cause to someone else’s property
* **Collision** — damage to your car from a crash
* **Comprehensive** — non-crash damage such as theft, hail, or animal strikes (per policy terms)
* **Uninsured / underinsured motorist** — when the other driver has little or no insurance
* **Medical payments / PIP** — medical costs after an accident (availability varies by state)

Minimum legal limits are not always enough for a serious claim. A licensed agent can walk through options that fit how you drive and what you own.

## Next step

Ready to talk through a policy? A licensed agent calls during business hours (**Mon–Fri 9–5 CT**):

* [Auto / home / life quote](https://nelsonandassociatesinc.com/quote?utm_source=docs\&utm_medium=referral\&utm_campaign=auto-insurance)
* [Small business / commercial](https://nelsonandassociatesinc.com/commercial?utm_source=docs\&utm_medium=referral\&utm_campaign=auto-insurance)