Coverage Types Explained

Liability coverage

Required in nearly every state, liability pays for injuries and property damage you cause to others. It splits into bodily injury and property damage limits.

Collision coverage

Collision pays to repair or replace your vehicle after an accident, no matter who's at fault. It's a core part of full coverage.

Comprehensive coverage

Comprehensive handles non-collision events — theft, vandalism, fire, weather, and animal strikes. Paired with collision, it protects your own car broadly.

Uninsured / underinsured motorist

This coverage steps in when the at-fault driver has no insurance or not enough to cover your losses. It's valuable protection given how many drivers carry only minimum limits.

Medical payments & personal injury protection

These cover medical expenses for you and your passengers after an accident, regardless of fault. Availability and requirements vary by state.

Optional add-ons

• Roadside assistance for towing and lockouts.
• Rental reimbursement while your car is being repaired.
• Gap coverage for financed or leased vehicles.
• Rideshare endorsements for app drivers.

Build the right mix

The ideal combination depends on your vehicle, finances, and risk tolerance. See what affects your rate, then compare carriers to price your coverage.