Core Coverages Required by Law
Liability insurance is mandatory in most states and covers bodily injury and property damage you cause to others in an accident.
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Optional Coverages for Broader Protection
Collision insurance pays for repairs to your own vehicle after a crash, regardless of fault.
Comprehensive coverage handles non‑collision losses such as theft, fire, vandalism, natural disasters, and animal strikes.
Medical payments (MedPay) or personal injury protection (PIP) cover medical expenses for you and passengers, regardless of who caused the accident.
Uninsured/underinsured motorist coverage protects you if the at‑fault driver lacks sufficient insurance.
Additional Endorsements
Roadside assistance, rental reimbursement, and gap insurance are optional add‑ons that address specific needs like towing costs, temporary vehicle use, or loan balance differences after a total loss.
Choosing the Right Mix
Assess your vehicle's value, driving habits, financial risk tolerance, and state requirements to balance mandatory and optional coverages for adequate protection without overpaying.