Bodily injury liability

Bodily injury liability coverage can help pay for injuries you cause to others in an accident. This might include medical expenses, legal fees and other related costs.

Property damage liability

Property damage liability can cover the cost of damages to someone else's property in an accident where you’re at fault. This might include repairs to vehicles and property. It does not, however, cover damage to your own vehicle.

Uninsured/underinsured motorist bodily injury

This coverage is designed to help protect you if you're in an accident with a driver who lacks sufficient insurance to cover your medical expenses. This coverage only kicks in if the uninsured or underinsured driver is at fault for the accident.

Uninsured/underinsured motorist property damage

Uninsured motorist property damage coverage may help pay for property damage to your vehicle if it’s caused by an uninsured or underinsured driver. This coverage is not available in every state.

Personal injury protection (PIP)

Personal injury protection could potentially cover your medical expenses and lost wages, regardless of fault, in an accident. PIP is not available in every state. Your state may offer some other form of medical payments coverage.

Comprehensive and collision

Comprehensive coverage usually includes damages to your vehicle from non-collision incidents like theft, fire, vandalism or natural disasters. Collision insurance can help cover the cost to repair or replace your car in the event of an accident, regardless of who’s at fault. This is typically required for financed or leased cars.

If your car is of low value or you can afford the out-of-pocket cost to replace it, this type of insurance may not be worth it.