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Types of Car Insurance

Liability Coverage

In most states, drivers must have minimum auto liability coverage. Drivers are legally obliged to buy at least the necessary amount of liability insurance in each state. There are two components to liability coverage: indemnity and compensation for bodily injury or property damage, whichever is greater.

  • Bodily injury liability helps if you cause an accident and your injuries are a result of someone else’s injuries, you might be able to recoup some of the expenses related to those injuries.
  • Property damage liability  helps if you’re driving your car and harm another person’s property, underinsured or uninsured motorist coverage may help pay for the damage.

Uninsured Motorist Coverage

If you’re hit by an uninsured motorist and don’t have insurance, your medical expenses or, in some states, the damages to your car may be covered with uninsured motorists coverage.

If you’re injured by an underinsured motorist, you’ll need to file a claim with your own or the at-fault driver’s insurance company. If this happens, see our page on how to recover from an uninsured/underinsured vehicle accident for information on what steps to take following an accident. Underinsured motorist coverage can assist if

Uninsured and underinsured motorist coverage is required in some states and optional in other states.

Comprehensive Coverage

Comprehensive insurance may help you cover the cost of damage to your vehicle caused by things like theft, fire, hail, or vandalism. If your automobile is damaged as a result of a covered peril, comprehensive coverage could assist cover the expense of repairing or replacing it (up to the vehicle’s actual cash value).

An indemnity insurance policy has a deductible, which is the amount you’ll pay out of pocket before your insurer pays you for a covered claim.

A comprehensive policy is typically an option, but if you’re leasing or paying off your vehicle, your lender may demand it.

Collision Coverage

Collision coverage may help pay to repair or replace your vehicle if you’re in an accident with another vehicle, or if you hit an item such as a fence (up to its actual cash value and minus your deductible).

Collision coverage is typically not necessary. It might be required by your vehicle’s leaseholder or lender, though.

Medical Payments Coverage

Medical payments coverage can assist cover the costs of medical treatments if you, your passengers, or family members who are driving the insured car are hurt in an accident. Hospital visits, surgery, X-rays, and other covered expenses may be paid for with medical payments coverage.

In some jurisdictions, comprehensive medical payments coverage is required, while in others it is optional.

Personal Injury Protection

Only a certain number of states provide PIP, which is similar to medical payments coverage. After an accident, PIP, like medical payments coverage, may help you pay for your medical expenses. PIP can also assist with additional costs incurred as a result of your injuries — for example, daycare fees or lost income.

In some states, personal injury protection is required; in other states, it’s optional.

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