There are two types of liability coverage - coverage for Bodily Injury and coverage for Personal Property. Most states require you to carry a minimum amount of liability coverage, or post a bond, to register your vehicle or obtain a driver's license.
Comprehensive coverage pays for losses to the car resulting from fire, theft, falling objects, riots, storms, earthquakes, floods, and collision with a bird or animal. Comprehensive coverage is normally required if your vehicle is leased or financed.
Collision coverage pays for the damage to your vehicle resulting from accident with another vehicle or object.
Medical coverage pays for medical expenses for you and your passengers as a result of a car accident.
Uninsured/Underinsured Motorist coverage
On average 25% of drivers have no insurance and another 30% do not have enough insurance. Uninsured/Underinsured Motorist coverage provides liability coverage if an uninsured/underinsured motorist is at fault.
Personal Injury Protection
Personal Injury Protection (PIP) is generally required in no-fault states. PIP covers a broader range of medical costs than standard Medical Payments coverage. It covers lost wages and the replacement of the services of someone injured in an automobile accident.
This brief summary is not a policy document. Please read the actual policy documents for your state for important details on coverages, exclusions, limits, conditions and terms. If there is any conflict between this summary and the policy documents, the policy documents will control. Not all products and discounts are available in every state.