Types of Auto Insurance Coverage
Understanding what each type covers and when you need it
Liability Insurance
Required in most states
Covers damage and injuries you cause to others in an accident. Does NOT cover your own car or injuries.
Other driver's medical bills
Other driver's car repairs
Property damage you cause
Your own car damage
Collision Coverage
Optional but recommended
Covers damage to your own car from collisions with other vehicles or objects.
Accidents with other cars
Hitting a pole, tree, or guardrail
Single-car accidents
Comprehensive Coverage
For non-collision damage
Covers damage from events other than collisions, like theft, weather, or vandalism.
Theft or break-in
Hail, flood, or fire damage
Vandalism
Animal collisions (deer)
Full Coverage
Complete protection
Combines Liability + Collision + Comprehensive for the most complete protection.
Best for: Newer cars, financed/leased vehicles, or if you want peace of mind
Which Coverage Do You Need?
- Older car (10+ years)? Liability only may be enough
- Newer car or loan/lease? Full coverage recommended
- High-risk area (theft/hail)? Add comprehensive
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