What is a common feature of personal auto insurance policies?

Personal auto insurance policies are designed to provide a range of protections to vehicle owners. A common feature of these policies is that they typically include liability, collision, and comprehensive coverage options. Liability coverage protects against claims for bodily injury and property damage to others resulting from a car accident for which the insured is at fault. Collision coverage helps pay for damages to the insured's vehicle resulting from a collision with another vehicle or object, while comprehensive coverage addresses non-collision-related incidents, such as theft, vandalism, or natural disasters.

This combination of coverage options allows policyholders to tailor their insurance to their specific needs, providing crucial financial protection against various risks associated with vehicle ownership and use. It is also important to note that other types of coverage may be optional and can be added if desired, but liability, collision, and comprehensive are standard offerings in many personal auto insurance policies.