What does your auto insurance policy get you?
Many people buy auto insurance because they have to, not because they want it. However, knowing what you are paying for is important to understanding if what you have actually meets your needs. It is important that you understand that portion of your policy that is no-fault and that portion of your policy that is not.
There are certain benefits you get from your own insurance company, without regard to fault. You are entitled to these benefits even if you only have PLPD or no collision coverage. These benefits are no-fault benefits. If you are injured in the auto accident, you are entitled to have all your medical bills paid. If you are unable to work, you are entitled to have 85% of your wage-loss paid for up to three years.