Car insurance coverage, explained
A plain-language overview of common coverage types. Policy terms and state requirements vary.
“Full coverage” is not one standard policy.
Ask which specific coverages, limits, deductibles, and exclusions are included in any offer. A package name alone does not tell you what is protected.
Liability
Helps with covered injury or property damage you are legally responsible for causing to others.
Ask about bodily injury and property damage limits.
Collision
Addresses covered damage to your own car from a collision or rollover, subject to the policy.
Review the deductible and how a loss would be valued.
Comprehensive
Addresses certain non-collision losses, such as theft or fire, subject to policy terms.
Ask which events and exclusions apply.
Uninsured / underinsured motorist
May help with certain losses involving a driver who has no insurance or insufficient limits.
Availability, requirements, and coverage vary by state.
Medical payments / PIP
May address certain injury-related expenses under the applicable policy and state rules.
Ask who is covered and which expenses qualify.
Optional additions
Rental reimbursement, roadside assistance, and other options may be available.
Check limits, waiting periods, and existing duplicate benefits.
Tell us what you’re looking for.
Send your car insurance inquiry to our team for a personal reply.