Need help understanding which coverages are required and optional in your state? Talk to a local agent. What Is Comprehensive Coverage?
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Edit location. Select a product to get a quote. Register new account Pay your bill. Get your ID cards. Quality Auto Coverage Starts Here. Get a quote Find an agent. Liability coverage has two components: Bodily injury liability may help pay for costs related to another person's injuries if you cause an accident. Property damage liability may help pay for damage you cause to another person's property while driving. Reviewed by Mark Fitzpatrick. Key Takeaways.
Need More Personal Finance Cowbell? Is Car Insurance Required? State Min Liability-Only. Collision: Collision insurance pays for damages to your vehicle when you are at fault in an accident. If you have a loan on your car, your lender may require active collision insurance on your policy.
Hail damage, theft and fire damage are just a few examples of what would be under this comprehensive insurance coverage. This does not supersede your per person maximum, however. Will You Need Gap Insurance?
What Other Coverages Are Offered? Rental Reimbursement: Rental reimbursement pays for your rental car while your car is in the repair shop because of an insured loss.
Roadside Assistance: Roadside assistance covers the cost of tow trucks, locksmith services or basic repairs on the side of the road. What Deductible Should You Choose? Car Insurance More from. By Penny Gusner Editor. By Ashley Kilroy Contributor.
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Car Insurance Coverage. Accidents, Driving Records. Insurance for Young Drivers. Best Car Insurance Rates. Insurance Car Insurance. Table of Contents Expand. How Car Insurance Works. Bodily Injury Liability. Property Damage Liability.
Collision Coverage. Comprehensive Coverage. Other Types of Coverage. The Bottom Line. Key Takeaways Most states require you to have at least a minimum amount of insurance coverage for any injuries or property damage you cause in an accident. Collision coverage, which is optional, covers damage to your own car in an accident. Comprehensive coverage, also optional, protects against other risks, such as theft or fire.
Uninsured motorist coverage, mandatory in some states, protects you if you're hit by a driver who doesn't have insurance. Article Sources. Investopedia requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate.
You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy. Related Articles. Partner Links. Related Terms Liability Car Insurance Liability car insurance provides financial protection for drivers who harm someone else or their property while operating a vehicle.
Introduction to Auto Insurance Auto insurance is purchased by vehicle owners to mitigate costs associated with getting into an auto accident.
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