Most types of car insurance coverage help pay for one of three types of expenses:

  1. Repairs for your own car
  2. Other people’s hospital and repair bills that you’re responsible for
  3. Your own medical bills

There isn’t one type of coverage that will cover all three of these expenses. Instead, policies are broken up into different coverage types. Each type covers different costs, and together they protect you, your family, and your car.

The following table breaks down the most common types of expenses that car insurance covers and the coverage types that will pay for them. Note that due to significant variations among state laws, some types of coverage listed here may not be available in your state. We will refer you to a local licensed agent to discuss specific coverages.


Coverage that Helps Pay for this Expense

Repairs for your car



Uninsured motorist property damage

Other people’s medical and repair bills that you’re legally responsible for

Bodily injury liability

Property damage liability

Your medical bills

Personal injury protection (PIP) / medical benefits

Medical payments (med-pay)

Uninsured/underinsured motorist coverage

Towing and roadside assistance Roadside assistance
Renting a car while yours is being repaired Rental coverage
Paying off the loan balance on a totaled car Loan/Lease Payoff

The list above shows only the most common coverage types. There may be additional options available in your state.

When you’re choosing your coverage, you need to know which coverage to buy and how much to buy. Also, you need to be aware of any coverage exclusions. Keep reading for details.

Which Coverage to Buy

Required Coverage

Some coverage you have to buy, and the reason is that every state sets certain standards that all policies must meet. Those standards include what types of coverage policies must provide and how much protection they must include. The standards vary across the country.

The following table shows the most common required coverages, what they pay for, and where they’re mandatory.

How Helps You Choose Coverage

You have a lot of coverage decisions to make, and they can be overwhelming at times. tries to make this task as easy as possible. We do so in the following ways:

Help Content

We provide help content directly in our quote form. If you are unsure whether you want to add a particular coverage, just click the question mark next to its name. This will bring up information about that type of coverage: what it is, how it will affect your quote, and guidance on how to choose. With our help, you’ll know exactly what’s covered by your policy.

Experiment with Different Coverage Selections

We let you play around with your coverage options. Once you have your initial quote, you can add or remove coverage and lower or raise your limits. When you do so, your quotes will adjust automatically. That way, you can see how much coverage fits into your budget.

Licensed Agent Assistance

While you’re getting your quote, you can ask our licensed agents any questions you have. You can call the phone number in the upper-right corner of your screen to talk over the phone. You can also open the “Live Chat” box in the bottom-left corner of your screen to chat with an agent online without leaving the form.

Did You Know?

Coverage for theft and damage

Coverage for theft and damage to your own vehicle isn’t required by law in any state. You have to add those coverage types to your policy if you want repairs for your own car to be covered.