Car Insurance Types

Car insurance typically comes in several different types, each offering different levels of coverage. Here are the main types of car insurance:

1. Liability Insurance

• Bodily Injury Liability: Covers medical costs and legal fees if you're at fault in an accident that injures someone else.
• Property Damage Liability: Covers the cost of repairing or replacing someone else’s property if you cause an accident.

2. Collision Insurance

• Covers damage to your own vehicle if you hit another car or object (like a tree or guardrail), regardless of who is at fault.

3. Comprehensive Insurance

• Covers damage to your car that isn’t caused by a collision, such as theft, vandalism, fire, natural disasters, or animal collisions.

4. Personal Injury Protection (PIP)

• Provides coverage for medical expenses, lost wages, and other related costs for you and your passengers, regardless of who caused the accident.

5. Uninsured/Underinsured Motorist Coverage

• Protects you if you're in an accident where the other driver is either uninsured or doesn’t have enough coverage to pay for your damages.

6. Medical Payments Coverage

• Covers medical expenses for you and your passengers, regardless of who’s at fault in an accident.

7. Gap Insurance

• If your car is totaled and you owe more on your loan or lease than the car’s current value, gap insurance covers the difference.

8. Roadside Assistance

• Provides help if you experience car troubles, such as a flat tire, dead battery, or if you run out of gas while driving.

9. Rental Reimbursement

• Covers the cost of renting a car while your car is being repaired due to a covered claim.
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