Types of Coverage

Liability

Liability coverage generally pays for bodily injury and property damage when you are responsible. The amount you are required at a minimum varies from state to state. Liability coverage also usually pays for a legal defense and court costs, if necessary.

Comprehensive

Comprehensive coverage pays for any losses to your auto due to events such as theft, break-ins, fire, or natural disasters like flood, hail damage, earthquake, or hurricane. Normally if you finance your car or lease an auto your finance company will require you to carry comprehensive coverage. You can expect a deductible for this coverage. The higher your deductible, the lower your rate will be.

Collision

Collision coverage insures you against damage from events such as collision with any other object such as an auto, fence, wall, etc. You can expect to have a deductible for this coverage too. Normally if you finance your car or lease an auto your finance company will require you to carry comprehensive coverage.

Uninsured Motorist

Uninsured Motorists will pay for your damages if injured by a driver without liability insurance. Property damage may also be paid in some states.