Types of Auto Insurance Coverage

Auto insurance can be easily categorized by what it protects. There is coverage to protect people, and coverage to protect property, including the vehicle itself, as well as other objects. Certain minimum coverage is required by law, and coverage above that helps protect your investment.

Basic Auto Insurance
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist
Underinsured Motorist
Collision Coverage
Comprehensive Coverage
Comprehensive Collision Insurance
Medical Payments Coverage
Minimum Liability Auto Insurance
Physical Damage Insurance
Personal Injury Coverage
Death Indemnity Coverage
Lease/Loan Gap Coverage
Rental Reimbursement
Standard Auto Insurance Coverage
Towing and Labor Costs
Special Equipment Coverage
Superior Auto Insurance Coverage
Tape/CD Coverage

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Bodily Injury Liability, Medical Payments Coverage, Personal Injury Coverage (PIP), and Death Indemnity are all designed to help you, your passengers, and your fellow travelers in the event that an auto-related injury or death occurs. These types of coverages pay for medical related costs. Property Damage Liability, Collision, and Comprehensive Coverage, on the other hand, protect your vehicle.

Uninsured Motorist Coverage and Underinsured Motorist Coverage can take the form of bodily injury coverage, property damage coverage, or both. They provide protection should you find yourself in an accident with a driver who has no insurance, or not enough insurance, to cover damages.

Additional Car Insurance Coverage Options

In addition, extra coverage might be suitable for your particular needs. If you're paying off your vehicle, Lease or Loan Gap Coverage might be helpful. For peace of mind and ease of mobility when your vehicle is in the shop, Rental Reimbursement Coverage might be valuable. Likewise, Emergency Roadside Assistance Coverage (also called Towing and Labor), is a great added coverage for high mileage drivers, or anyone else who could benefit from roadside assistance "angels" when stranded. Finally, vehicles with expensive sound systems, large music collections, or other expensive vehicle add-ons, such as whells or rims, could benefit from Sound System / Special Equipment Coverage and/or Tape/CD Coverage.

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**Auto Insurance Finder is not an insurance broker or carrier. Content on this site is for comparison and informational purposes only. The products and services listed on this site may not be available in all states.

Last Updated: August 19, 2010