What auto insurance coverage is required on all cars

1. Comprehensive Coverage

This type of coverage pays for damage to your vehicle caused by accidents, collisions, vandalism, theft, fire, flood, windstorm, hail, explosion, earthquake, riot, smoke, aircraft, animals, collision with objects not insured against, and riots.

2. Collision Coverage

Collision coverage pays for damage to the car caused by accidents with other vehicles, pedestrians, and animals.

3. Medical Payments Coverage

Medical payments pay for medical expenses incurred due to injuries sustained in an accident.

4. Personal Injury Protection (PIP) Coverage

Personal injury protection pays for damages resulting from bodily injury to others and property damage.

5. Uninsured/Underinsured Motorist Coverage

Uninsured motorist coverage pays for damages resulting from accidents involving uninsured motorists. Underinsured motorist coverage pays if you are injured by someone who does not have enough liability insurance.

6. Property Damage Liability Coverage

Property damage liability covers damages to other people’s property and their own property.

7. Loss of Use Coverage

Loss of use coverage pays for the cost of renting a replacement vehicle while yours is being repaired.

8. Comprehensive Coverage

Comprehensive coverage covers damage caused by fire, theft, vandalism, collision, and windstorm. It also includes liability coverage for bodily injury and property damage. If your car is stolen, comprehensive coverage pays out if someone gets hurt while driving your vehicle. You may need this type of coverage if you have a high-end luxury model or if you drive a sports car.

9. Collision Coverage

Collision coverage pays out if your car is damaged due to an accident. It does not cover damage caused by vandalism or theft.

10. Liability Insurance

Liability insurance covers any damages caused by your car in an accident. It is mandatory for drivers who are at fault in an accident. Your state requires minimum liability limits, but they vary depending on where you live.

11. Uninsured/Underinsured Motorist (UM) Coverage

Uninsured motorist coverage pays out if you are injured by a driver who doesn’t have enough money to pay for their own medical bills. Underinsured motorist coverage pays you if you’re injured by a driver who has less than the minimum amount of liability insurance. Both types of coverage are optional.

12. Personal Injury Protection (PIP) Coverage

Personal injury protection coverage pays out if you’re injured in an accident and need medical care. It’s optional, but many people choose to buy it.

13. Property Damage Coverage

Property damage coverage pays out if your vehicle is damaged in an accident. It’s optional, and many people choose not to purchase it.