Liability Coverage
Liability coverage is generally designed to address covered bodily injury or property damage you cause to others when you are legally responsible. Required limits and terminology vary by state.
Common auto insurance coverage, broken into usable pieces.
Coverage names may sound simple, but actual protection depends on the policy, limits, exclusions, deductibles, and state requirements.
Collision Coverage
Collision coverage commonly addresses covered damage to your vehicle resulting from impact with another vehicle or object, subject to policy terms and a deductible.
Comprehensive Coverage
Comprehensive coverage may apply to specified non-collision losses such as theft, vandalism, weather, fire, falling objects, or animal-related damage.
Uninsured / Underinsured Motorist
Depending on state law and policy structure, this coverage may provide protection when another responsible driver has no insurance or insufficient limits.
Medical Payments / Personal Injury Protection
Medical-related coverage options vary significantly by state. Some may help with eligible medical expenses or other covered costs after an accident.
Roadside, Rental & Other Optional Features
Optional features can include towing, roadside assistance, rental reimbursement, glass-related options, or other benefits depending on the carrier and policy.
Useful review question
When comparing choices, ask whether each option uses the same limits and deductibles. Otherwise, the prices may represent materially different coverage structures.