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Auto insurance seems complicated; after all an auto insurance policy can cover several different things, but when you break down the different options, it is easier to understand than you may think. Learn more about the different types of auto insurance that are available. Then, if you live in or around Los Angeles, Alhambra, Pasadena or the San Gabriel Valley, get in touch with an agent at Michelle Lim Insurance Services. We will help you put a policy together that fits your needs and meets state-mandated requirements.

Bodily Injury Liability

This coverage pays for injuries that you, as the policyholder, cause others in an at-fault accident. Liability insurance is often a state-mandated requirement, but you may consider buying more than what the state requires to protect you in case of a catastrophic accident.

Medical Payments

This coverage pays for medical treatment of injuries to you and passengers of your car.

Property Damage Liability

This is another form of liability insurance that covers damage to someone else’s property when an accident is your fault.


This coverage type pays for damage to your own car if you are involved with a direct collision with another car or object. The coverage can include a deductible amount. In general, higher the deductible, the less you pay for the insurance.


Comprehensive coverage covers your losses when there is damage to your car caused by a non-collision event. It also covers your vehicle in the event of a theft.

Uninsured or Underinsured Motorist Coverage

This coverage comes into play if you are in an accident that is not your fault, but the other driver does not have coverage to pay for the full value of your damages.

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