Common types of car insurance


Common types of car insurance

How your auto insurance works depends on the insurance coverage you purchase. However, the payment method for each car insurance is slightly different, so please review the main car insurance types below and how they work.

Type of Coverage Payment Method

Bodily injury liability

Medical costs due to injuries or deaths from an accident you caused.

Property damage liability

Repair costs for property you damaged in an accident.

Uninsured motorist bodily injury liability

Medical costs after an accident with an uninsured driver.

Uninsured motorist property damage coverage

Repair costs after an accident with an uninsured driver.

Underinsured motorist coverage

Expenses from an accident with a minimally insured driver. This coverage pays once the underinsured driver’s coverage limits have been met.

Collision coverage

Repair expenses from traffic-related accidents, regardless of who is at fault.

Comprehensive coverage

Repair costs from events outside your control — including weather events, hitting an animal while driving, theft and vandalism.

Medical payments coverage

Medical expenses for you and your passengers after an accident regardless of fault.

Personal injury protection insurance

Medical expenses, as well as lost wages, child care, funeral costs and other losses due to an accident regardless of fault.

Gap insurance

The difference between what you owe on your car and your car’s true market value.