Understand Common Auto Insurance Coverage Options
Learn about common types of auto insurance coverage and how they may help protect drivers, passengers, and vehicles.
Liability Coverage
Liability insurance generally helps cover costs if you are legally responsible for injuries or property damage resulting from an auto accident.
- Bodily injury liability
- Property damage liability
- Coverage limits may vary by policy
- Minimum requirements vary by state
Collision Coverage
Collision coverage generally helps pay for damage to your vehicle resulting from certain collisions, subject to policy terms and your deductible.
- Vehicle collision damage
- Typically includes a deductible
- Coverage limits depend on policy terms
- May be required by some lenders
Comprehensive Coverage
Comprehensive coverage generally applies to certain types of vehicle damage that are not caused by a collision.
- Theft
- Weather-related damage
- Vandalism
- Certain falling objects or animal-related damage
Uninsured & Underinsured Motorist Coverage
This coverage may help protect you when an at-fault driver has insufficient insurance or no insurance, depending on policy terms and state requirements.
- Uninsured motorists
- Underinsured motorists
- Availability varies by state
- Coverage limits apply
Medical Payments Coverage
Medical payments coverage may help pay certain medical expenses resulting from an auto accident regardless of who was responsible.
- Medical expenses
- Passenger-related expenses
- Coverage limits apply
- Availability varies by state
Personal Injury Protection
Personal Injury Protection, commonly known as PIP, may help cover certain medical expenses and other eligible costs after an accident.
- Medical treatment
- Potential lost income benefits
- Requirements vary by state
- Policy conditions apply
Coverage Needs Can Vary
The appropriate amount and type of auto insurance coverage can depend on several factors, including your state, vehicle, driving situation, lender requirements, and personal preferences.
Reviewing your available options can help you better understand the differences before selecting a policy.
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Coverage Disclaimer
Coverage descriptions provided on this website are for general informational purposes only. Coverage availability, exclusions, limits, deductibles, eligibility, and policy terms vary by insurance provider and jurisdiction. Always review the actual insurance policy and provider documentation before making a coverage decision.