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What is Auto Insurance?

Auto insurance is a type of insurance that provides financial protection against losses resulting from an auto accident. It covers damages to your vehicle, as well as injuries to you and others involved in the accident.

There are many different types of auto insurance coverage available, so it's important to choose the right policy for your needs. Some of the most common types of coverage include:

Liability Coverage

Liability coverage protects you from financial responsibility for injuries or damages caused to others in an accident. This coverage is required by law in most states.

There are two types of liability coverage: bodily injury liability and property damage liability. Bodily injury liability covers injuries to other people, while property damage liability covers damage to other people's property.

Collision Coverage

Collision coverage pays for damages to your vehicle if you are involved in an accident with another vehicle or object.

Collision coverage is not required by law, but it is a good idea to have if you have a newer or more expensive vehicle.

Comprehensive Coverage

Comprehensive coverage pays for damages to your vehicle caused by events other than a collision, such as theft, vandalism, or natural disasters.

Comprehensive coverage is not required by law, but it is a good idea to have if you live in an area where your vehicle is at risk of being stolen or damaged by weather.

Uninsured/Underinsured Motorist Coverage

Uninsured/underinsured motorist coverage protects you from financial losses if you are involved in an accident with a driver who does not have insurance or who does not have enough insurance to cover your damages.

Uninsured/underinsured motorist coverage is not required by law, but it is a good idea to have if you live in an area where there are a lot of uninsured drivers.

Medical Payments Coverage

Medical payments coverage pays for medical expenses for you and your passengers if you are injured in an accident, regardless of who is at fault.

Medical payments coverage is not required by law, but it is a good idea to have if you do not have health insurance or if you have a high deductible on your health insurance.

Personal Injury Protection (PIP) Coverage

Personal injury protection (PIP) coverage pays for medical expenses, lost wages, and other expenses if you are injured in an accident, regardless of who is at fault.

PIP coverage is required by law in some states, but it is not required in all states.

Gap Insurance

Gap insurance pays the difference between the amount you owe on your vehicle and the amount your insurance company pays if your vehicle is totaled.

Gap insurance is not required by law, but it is a good idea to have if you have a newer or more expensive vehicle.

Rideshare Insurance

Rideshare insurance provides coverage for drivers who use their personal vehicles to transport passengers for ride-sharing companies such as Uber and Lyft.

Rideshare insurance is not required by law, but it is a good idea to have if you drive for a ride-sharing company.