When you get a flat tire, run out of gas, or need a tow, do you call your auto insurance provider? If you have roadside assistance, then your insurance provider will send you help. How about damaging someone else’s property due to something you did at the wheel? Property damage liability is the insurance that covers those situations where you’re at fault and have done damage to someone else.

Signing up for auto insurance is important, but many people don’t take this part of owning and driving a car seriously enough. Picking the cheapest legal coverage feels good in the moment because of how much you save. When you realize you have to pay out-of-pocket for problems because your insurance doesn’t cover them? That doesn’t feel good at all. Before you make a choice about auto insurance, learn what kind of coverage you have and what kind you’re opting out of. The scene of an accident is the wrong time to realize you’re not covered for something.

Do you know what kind of coverage you have from your current auto insurance? Upgrade your knowledge by taking the Auto Insurance: The Basics quiz from Health IQ. The helpful information you learn will allow you to make an informed decision about your car insurance policy. You don’t have to choose the highest level of coverage. An understanding of how auto insurance works, and the types of coverage that are available, will guide your decision. Being informed is the first step to good insurance.