w USA sa trzy glowne rodzaje ubezpieczenia pojazdow:
Liability
comprehensive
collision

see: http://www.unc.edu/finance/risk/auto.htm

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Note added at 44 mins (2004-04-01 19:05:03 GMT)
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Definition of Automobile Insurance Coverages

Liability Coverage - Liability coverage pays for bodily injury or property damage for which you or the owner of the insured vehicle become legally responsible because of an auto accident.

Collision Coverage - Collision coverage pays for loss to the insured\'s own vehicle caused by its collision with another vehicle, object or its upset. Collision coverage does not pay for bodily injury or property damage liability arising out of the collision.

Comprehensive Coverage - Comprehensive coverage pays for loss to the insured\'s own vehicle caused by fire, theft, vandalism, falling objects, and various other perils other than a collision with another vehicle, object or its upset.