Auto insurance coverages, explained in one page
Liability, collision, comprehensive, uninsured motorist and medical coverage at a glance.
An auto policy is a bundle of separate coverages. Knowing what each one does makes quotes much easier to compare.
| Coverage | Pays for | Usually required? |
|---|---|---|
| Bodily injury liability | Injuries you cause to others | In most states |
| Property damage liability | Damage you cause to others' property | In nearly all states |
| Uninsured/underinsured motorist | Your injuries caused by a driver with too little or no insurance | In some states |
| PIP / medical payments | Medical costs for you and passengers | PIP in no-fault states |
| Collision | Your car after a crash | By lenders and lessors |
| Comprehensive | Theft, weather, fire, animals, glass | By lenders and lessors |
Limits and deductibles
Liability coverage has limits, the most the insurer pays. Collision and comprehensive have deductibles, what you pay first. When you compare quotes, match both.
Common add-ons
Rental reimbursement, roadside assistance and gap coverage are optional extras. Make sure every quote you compare either includes or excludes them.
This guide is general information from Quoting Fast, not insurance, legal or financial advice. Coverage rules vary by state and insurer.