Now that the driving lessons are behind you and you’ve passed your driving test, you’re ready to go. One more thing you should know about – auto insurance.


  • Bodily injury liability — pays medical costs, lost wages, and pain and suffering of other people injured in an accident that you caused. It also covers the cost of litigation if you should be sued.
  • Property damage liability — pays for other people’s property damaged in an accident for which you are responsible.
  • Medical payments or Personal Injury Protection — pays medical costs if you or your passengers are injured in an accident. There are usually limits specified in the policy.
  • Uninsured/Underinsured motorists — pays your medical bills and certain other expenses if you’re injured in an accident caused by someone who has no insurance or inadequate insurance to cover the costs. In some states, it will also cover damage to your property.
  • Collision — pays for damage to an insured vehicle in an accident involving another vehicle or some other object.
  • Comprehensive — pays for damage to your car not caused by an accident, like theft or vandalism.


For more information about insurance, download the Young Drivers Guide to Insurance brochure and visit To order brochures, click here.