What kinds of coverages are there?

There are many types of car insurance coverage; however, while most are optional, certain coverages are generally required by law.

Most states require drivers to purchase a minimum amount of liability insurance coverage, which pays for injuries and property damage that you cause to others in an accident. It does not cover your own injuries or property damage.

If you live in a state with no-fault laws, you may also be required to purchase personal injury protection (no-fault) coverage. This coverage allows you to file a claim with your own insurer to pay for your medical costs associated with an accident, regardless of who was at fault.

Uninsured/underinsured motorist coverage may also be required by your state, but is typically optional.

Other optional coverages include (but are not limited to):

  • Collision coverage.
  • Comprehensive coverage.
  • Towing and labor coverage.
  • Rental reimbursement coverage.