Automobile Insurance

14 Coverage Summary Type of Coverage Do you have to buy this coverage? Liability Coverage is for accidents that are your fault. • Bodily injury liability pays for bodily injury you cause someone else. • Property damage liability pays for property damage you cause someone else. California law requires you to have this coverage. Uninsured/Underinsured Motorist Coverage is for accidents when the other driver is at fault and does not have insurance or does not have enough insurance. • Bodily injury coverage pays medical expenses for you and passengers. • Property damage coverage pays the cost of repairs to your car up to $3,500. You may not need this if you have collision coverage. • Collision deductible wavier pays your collision deductible. You must be offered this coverage, but you can choose not to buy it.