Like any other industry, there are several types in the auto insurance industry. For example, the Bodily Injury insurance as well as the Liability insurance will give you protection when due to misfortune you have caused an accident and thereby inflicted bodily injury on someone. Normally there will be two specifications of compensations to be paid for such bodily injuries inflicted. One is for the individual passenger while other one is for multiple passengers traveling in the same vehicle. The two combine to give you the total requirements for meeting the accident compensation claims.

Collision insurance, comprehensive coverage insurance and car rental insurances are normally additives and not required under the California car insurance plan. Collision insurance not only covers your damages due to collision with another vehicle, but also with trees and other solid objects like the building etc. The insurance is triggered when you are at fault. On the other hand the comprehensive coverage will give you protection against theft, fire, natural calamities, vandalism, theft, hitting an animal etc.

Collision insurance is however not required under the New York car insurance plan since the principle of no fault applies.

Many policies will also provide you rental at the rate of $15 per day for a period of thirty days when your vehicle is lying in the garage beyond 24 hours for repair. For window glasses however you have to pay the deductibles before the insurance company pays for the glass repair. With Full Glass coverage you can escape this fate as companies will give full coverage to your window glasses in such case.