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When is the last time you reviewed you coverage on your auto insurance? Rather you have full coverage or liability it's still important to understand what you're protected agains. Its both you and your agents responsibility to make sure you have the proper coverage.
If you're at fault in an accident, liability covers damages you cause. That could mean damage to other vehicles, property (mailbox, street sign, house, etc.), or even other drivers/passengers injuries. Plus, liability coverage you if someone sued you over an accident.
These are two separate coverages. Comprehensive covers incidents out of your control: theft, vandalism, hitting an animal, fire, acts of nature, and glass damage. Collision covers car accidents.
These can be two separate coverages: One that covers your injuries (bodily injury) and another that covers your vehicle's damages (property damage). Both kick in if a driver hits you and doesn't have insurance or enough to pay for your losses.
Pays for medical costs if you, your passengers, or your family members are injured in an accident (no matter who is driving). Medical payments coverage can be beneficial even if you have health insurance, as there is no deductible you have to meet before we pay out.
Pays for your rental car fees while your vehicle is being repaired from a covered loss (that just means damages we or another insurance company pays for and not general maintenance).
Loan/lease payoff is also called gap insurance. If your car is totaled, it'll help pay off the balance of your loan.