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Coverage Guide
This guide is educational only. It describes how coverage types generally work so you can have a more informed conversation with a licensed insurance provider.
The descriptions below are general educational summaries. Actual coverage, terms, conditions, and exclusions are defined solely by the policy a licensed insurance provider issues. Nothing here is a quote, an offer of coverage, or a statement of what any specific policy will do.
Generally addresses injury or property damage you are found responsible for causing to others. It is typically expressed with separate limits for bodily injury per person, bodily injury per accident, and property damage. Most states require some minimum amount.
Generally applies to damage to your own vehicle from an impact — another vehicle, a guardrail, or a rollover. It usually carries a deductible, which is the portion you are responsible for before coverage applies.
Generally applies to non-collision events such as hail, fire, falling objects, vandalism, or theft. Like collision, it usually has its own deductible.
Designed for situations where the other driver has no coverage, or not enough of it, to address your injuries or damage. Availability and structure vary by state and provider.
These coverages relate to medical expenses for you and your passengers after a covered accident. Some states use one, some the other, and rules differ meaningfully by state.
Optional add-ons that address towing, lockouts, or a temporary replacement vehicle while yours is being repaired after a covered loss.
Some providers offer coverage related to the difference between what a vehicle is worth and what is still owed on it. Terms differ significantly, so ask your provider to explain their specific version.