Explore the different types of auto insurance coverage available and learn how each one may help protect you, your passengers, and your vehicle on the road.
Understand the foundational types of auto insurance and how each one may apply to your driving situation.
Review how different coverage levels can affect premiums, deductibles, and overall protection.
Access information gathered from industry sources to help you evaluate coverage considerations clearly.
Liability coverage is typically required by law and helps pay for damages or injuries you may cause to others in an accident. Understanding state minimum requirements and optional higher limits can help you assess the right level of protection.
Collision coverage helps pay for repairs or replacement of your vehicle if it's damaged in an accident with another vehicle or object. This type of coverage is often considered when financing or leasing a vehicle.
Comprehensive coverage protects against non-collision events such as theft, vandalism, fire, or weather-related damage. It's often paired with collision coverage for broader vehicle protection.
This coverage helps protect you if you're involved in an accident with a driver who has little or no insurance. It can help cover medical expenses and vehicle damage when the at-fault party cannot.
Medical payments coverage, sometimes called MedPay, helps pay for medical expenses for you and your passengers after an accident, regardless of who is at fault. Coverage limits vary by policy.
PIP coverage helps pay for medical expenses, lost wages, and other costs after an accident, regardless of fault. Required in some states, it provides broader protection than standard medical payments coverage.
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