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Most Common Types of Car Insurance Coverage
State laws vary, and not all of the following coverage options are offered in all states. But the typical auto insurance policy is likely to include most of these types of coverage.

Liability: If you cause an accident, this two-part coverage — including bodily injury liability and property damage liability — will pay for the other party’s medical bills and vehicle repairs. It will not protect you or your passengers if you are injured or your vehicle is damaged as a result of the wreck. Learn more about liability insurance.
Collision: This type of coverage will pay to fix or replace your own vehicle after an accident. Coverage extends to damage caused by collision with an object (e.g., a tree or house) or an accident in which no object was involved (e.g., if your car flips). Most states don’t mandate collision coverage, but if you have a loan or a lease, your finance company will probably require it. Collision insurance cannot usually be purchased without comprehensive coverage. Learn more about collision coverage.
Comprehensive: This protects your vehicle against certain types of damage not caused by an accident, such as theft, a falling object or a natural disaster. Comprehensive insurance is optional unless your lender or lessor requires you to have it. This type of insurance is usually purchased in combination with collision coverage. Learn more about comprehensive coverage.
Personal Injury Protection (PIP): Often referred to as “no-fault insurance,” personal injury protection covers medical expenses you incur in an accident regardless of fault. Coverage extends to other drivers listed on your policy, members of your household and your passengers. Qualifying expenses can include medical bills as well as those not typically covered by health insurance such as lost income, child care or even a funeral. Only 15 states require PIP. It is optional in many other states but isn’t available everywhere. Learn more about personal injury protection.
Auto Medical Payments (MedPay): This coverage type is similar to PIP but is more limited in scope. It covers accident-related medical expenses for you, your passengers, your household members and other policyholders. As optional coverage, it supplements health insurance for those who have it and serves as a useful substitute for those who don’t. It can also cover copays and deductibles of other insurance, including health insurance and PIP policies. Learn more about auto medical payments insurance.
Uninsured/Underinsured Motorist Coverage: Some drivers will break the law and drive without auto insurance. Others won’t have adequate coverage. In the event you are injured or your car is damaged in an accident caused by this sort of driver, this coverage can pay for medical bills and car repairs. It is required in about half the states. Learn more about uninsured/underinsured motorist coverage.


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