Auto Coverage Guide

General educational information: This guide is not a binding policy offer or legal advice. Coverage availability, legal requirements, limits, deductibles, exclusions, and eligibility vary by insurer and state. Always review your actual policy documents.

Liability Coverage

Liability coverage helps pay for injuries to other people (bodily injury) and damage to their property that you are legally responsible for. Most states set minimum liability limits, often written as three numbers such as per-person, per-accident, and property damage limits.

Collision Coverage

Collision coverage helps pay to repair or replace your own vehicle after it hits another vehicle or object, regardless of fault. It typically carries a deductible — the amount you pay before coverage applies.

Comprehensive Coverage

Comprehensive coverage helps with damage from events other than collisions, such as theft, vandalism, fire, falling objects, weather, or striking an animal. A deductible usually applies.

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Uninsured and Underinsured Motorist Coverage

This coverage can help protect you and your passengers if you are hit by a driver who has no insurance or not enough insurance to cover your losses. Some states require it.

Medical Payments or Personal Injury Protection (PIP)

Medical payments coverage and PIP can help pay medical expenses for you and your passengers after an accident. PIP may also cover lost wages and is required in some no-fault states.

Optional Roadside Assistance and Rental Reimbursement

Where available, roadside assistance can help with towing, jump-starts, or lockouts, and rental reimbursement can help pay for a rental car while your vehicle is being repaired after a covered claim.

Deductibles and Limits

A deductible is what you pay out of pocket on a covered claim before insurance pays. A limit is the maximum an insurer will pay for a covered loss. Choosing higher or lower amounts changes how coverage works for you, so it's worth asking questions before you decide.