What Are the Different Types of Auto Insurance Called?

What Do We Call Various Auto Insurances?

Auto insurance comes in several named coverage types that protect against different risks. The main categories are liability, collision, comprehensive, uninsured/underinsured motorist, and personal injury protection, though exact names vary by state and insurer.

Core Coverage Types

Liability Insurance

Liability coverage pays for damage and injuries you cause to others in an accident you are at fault for. It is typically required by law and includes bodily injury liability and property damage liability.

Collision and Comprehensive

Collision covers damage to your vehicle from a crash, while comprehensive covers non-collision events like theft, vandalism, or weather damage. Together, they protect your car regardless of fault.

Additional Coverage Types

Uninsured and Underinsured Motorist

These cover you when the other driver has no insurance or insufficient coverage. Uninsured motorist coverage is mandatory in some states and optional in others.

Personal Injury Protection

Also called PIP, this pays for medical expenses and sometimes lost wages for you and your passengers, regardless of who caused the accident.

Gap Insurance

Gap insurance covers the difference between what you owe on a loan or lease and the car's actual cash value if it is totaled.

Optional and Specialized Forms

Beyond the standard types, you may encounter rental reimbursement, roadside assistance, and rideshare insurance. These are often offered as add-ons rather than standalone policies.

How the Names Vary

Insurers may bundle coverages under different names or package them into plans like full coverage or broad form. The underlying types remain the same even when labeled differently.