Aside from bodily injury liability, personal injury protection, property damage liability and uninsured/underinsured motorist coverage, there is also collision and comprehensive auto insurance coverage that insurance companies encourage you to purchase. Collision covers damage to the policyholder's car resulting from running into anything (remember that pole you didn't see?) and comprehensive coverage takes care of your car in the case of theft, fire, falling objects, explosions, earthquakes, floods, riots, civil commotion, and other related events.
Comprehensive and collision coverage are required on most leases, and are absolutely necessary if you own an expensive car. If you are driving a "beater", you may end up paying more for your premium and coverage than the value of your car. Make sure you do the numbers to figure out if this is a good choice for you.
Before selecting the right insurance coverage, you should also consider what is covered for you under other insurances, such as medical and dental.
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