With vehicle insurance, you generally get a number type policy, like 25/50/10. The 25 means your insurance company will pay out up to $25,000 worth of injury to each person, the 50 means that if the cost of injury is above $50,000, then you're responsible for the rest for out of pocket costs, the 10 means that your policy will cover $10,000 of property damages, like if you hit the other car or you hit a mailbox, something like that. This is just an example by the way. Of course your rates will probably skyrocket if you get in an accident.
