Understanding the different car insurance coverage types is essential when choosing the right policy. Whether you’re insuring a new car or reviewing your current plan, this guide outlines all major coverage types and their benefits. Use this page to explore your options and find the best protection for your vehicle and budget.
Liability Coverage
Liability insurance is required in most states and covers damages you cause to others. Learn more about liability car insurance and how it protects you.
- Bodily Injury Liability: Covers medical expenses, lost wages, and legal fees if you injure someone.
- Property Damage Liability: Pays for damage to another person’s vehicle or property.
→ Learn more about Liability Car Insurance
Collision Coverage
Collision insurance pays to repair or replace your car after a crash, regardless of fault. It covers accidents with other vehicles, objects, or single-vehicle rollovers.
→ Learn more about Collision Car Insurance
Comprehensive Coverage
Comprehensive insurance protects your car from non-collision damage such as theft, weather events, and vandalism.
- Theft or vandalism
- Weather events (hail, floods, hurricanes)
- Fires or explosions
- Hitting animals or falling objects
→ Learn more about Comprehensive Car Insurance
Uninsured and Underinsured Motorist Coverage
Uninsured and underinsured motorist coverage protects you when you’re hit by someone with little or no insurance. It helps pay for medical bills, lost wages, and sometimes property damage.
→ Learn more about Uninsured Motorist Coverage
Personal Injury Protection (PIP)
Personal Injury Protection (PIP) pays for medical expenses, rehabilitation, and lost wages regardless of fault. It’s required in no-fault states and valuable elsewhere.
- Medical bills
- Lost income
- Rehabilitation services
- Funeral expenses
→ Learn more about Personal Injury Protection
Medical Payments Coverage (MedPay)
Medical Payments Coverage helps with accident-related medical costs for you and your passengers. It’s optional in many states and complements your health insurance.
→ Learn more about MedPay Coverage
Rental Reimbursement Coverage
Rental reimbursement insurance pays for a rental car while your vehicle is being repaired after a covered accident. It includes daily and total limits.
→ Learn more about Rental Car Coverage
Gap Insurance
Gap insurance covers the “gap” between your car’s actual value and what you still owe if it’s totaled or stolen. It’s crucial for new or financed vehicles.
→ Learn more about Gap Insurance
Roadside Assistance
Roadside assistance provides emergency help for flat tires, lockouts, dead batteries, towing, and more. It’s typically an optional add-on.
→ Learn more about Roadside Assistance Coverage
Full Coverage Car Insurance
Full coverage insurance typically combines liability, collision, and comprehensive coverage for maximum protection. It’s often required by lenders and recommended for newer vehicles.
→ Learn more about Full Coverage Car Insurance
Other Optional Add-Ons
Depending on your insurer, you may also consider:
- Custom Equipment Coverage
- New Car Replacement Coverage
- Rideshare Insurance
- Accident Forgiveness
- Vanishing Deductible Programs
Which Coverage Is Right for You?
Choosing the right coverage depends on:
- Your state’s insurance requirements
- The value, age, and condition of your vehicle
- Your budget and risk tolerance
- Whether you lease, finance, or own your vehicle outright
Explore the links above to compare coverage options and build a car insurance policy tailored to your needs.