Understanding the coverages of an auto policy
Your auto policy may include all 6 coverages or some of them. Each coverage is priced separately.

1. Bodily Injury Liability
   For injuries the policyholder causes to someone else.
2. Medical Payments 
   For treatment of injuries to the driver and passengers of the policyholder's car. 
3. Property Damage Liability
   For damage the policyholder caused to someone else's property.
4. Collision
   For damage to the policyholder's car from a collision. The collision could be with another car, a light post, fire hydrant, etc.
5. Comprehensive
   For damage to the policyholder's car that doesn't involve a collision with another car. Covered risks include fire, theft, falling objects, earthquake, and flood.
6. Uninsured Motorist Coverage
   For treatment of policyholder's injuries as a result of collision with an uninsured driver. Underinsured motorist coverage can also be included in an auto policy. Underinsured motorist coverage comes into play when an at-fault driver has auto liability insurance, but the limit of insurance is inadequate to pay for your damages.

California requires minimum liability limits. The insurance industry recommends that your bodily injury liability limits be $100,000 per person and $300,000 per occurrence.