Auto Insurance Coverage Options

Many states have laws requiring all drivers to carry some type of minimum insurance, but drivers who want to protect themselves, their families, and their assets will want to invest in additional insurance to be comprehensively covered. There are several different types of coverage, each described below.

When deciding which type of coverage to carry and how much, there are a number of factors to consider, such as the value of your vehicle and the insurance laws where you live. It’s also important to understand the purpose of each type of coverage as well as liability limits.

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Bodily Injury Liability

Bodily injury liability covers the cost of medical care, loss of income, or pain and suffering due to injuries or death of people you are responsible for. LEARN MORE

Property Damage Liability

Property Damage Liability covers the costs of repair or replacement if you damage another person’s car or property. Property Damage Liability also protects you in the event of a lawsuit. LEARN MORE

Collision Coverage

Collision insurance covers damage to your vehicle regardless of who is at fault. LEARN MORE

Comprehensive Coverage

Comprehensive insurance covers a vehicle for damage resulting from accidents that are not collisions—for example, losses from theft. LEARN MORE

Medical Payments

This type of coverage pays for medical expenses incurred by you and/or your passengers as a result of injuries from a car accident. LEARN MORE

Uninsured/Underinsured Motorist Coverage

Uninsured and underinsured motorist coverage covers you, other insured members in your home, and your passengers for injuries, losses, and death resulting from accidents with at-fault drivers who have insufficient or no insurance coverage, as well as hit-and-run accidents. LEARN MORE

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*Auto Insurance Options is a free information resource that provides content on auto insurance products and policies for informational purposes only, but is not an agency or insurer. Products and policies may not be available in all states.