The deductible for Comprehensive or Collision applies to each loss that occurs to your vehicle. A deductible is the dollar amount you will have to pay toward the loss before the insurance company begins to make payments on the loss.
Basically, Medical Payments coverage provides coverage for necessary and reasonable medical and funeral expenses incurred as a result of an automobile accident for you or your passengers. It is typically in excess of your own Health Insurance.
This coverage pays for bodily injury and property damage to others for which you are legally responsible due to an auto accident in which you were involved.
Some of the coverages under comprehensive include; theft of all or part of your vehicle, glass breakage, and damage due to fire, windstorm, hail, water, falling objects, vandalism, or hitting a bird or animal.
Collision coverage pays if your vehicle collides with an object, including another car, or if it overturns. Your insurer will pay to repair this damage even if the collision is your fault.
Uninsured Motorists Coverage pays if you are hit by an uninsured driver, who is at fault. In addition you can purchase Uninsured Motorists Collision Deductible Waiver if you have collision on your vehicle or Uninsured Motorists Property Damage if you do not. However, the uninsured driver must be identified to collect under the collision deductible waiver or the property damage.
If you have assets you need to protect, you may want to carry higher than minimum liability limits to protect yourself from lawsuits by a person or persons you may injure in an accident. You should check with a legal representative if you are unsure.