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Your auto insurance policy can protect you against a variety of risks. Individual policies may vary, but below are some common coverages.
Additional protections are also available. For example, some policies include accident forgiveness. If you're in an accident, the insurer won't raise your rate.
Liability coverage is required by law in many states. You need it when you cause an accident and damage another person's vehicle or when someone is hurt.
Accidents happen. You might hit another vehicle or object. Collision coverage protects you in the event that there is damage to your vehicle. It pays for repair or replacement.
Comprehensive coverage pays for repair or replacement of your vehicle when it is damaged by weather and other causes unrelated to a car accident. It also covers you when your vehicle is stolen.
Uninsured motorist coverage protects you if you are in an accident with someone who does not have insurance or does not have enough insurance. It pays for damage to your vehicle and medical expenses.
Some states have no-fault insurance, where the state does not require the person who caused an accident to pay costs incurred by the victim. Personal insurance coverage pays for your medical costs.
You may be involved in an accident while you have a passenger in the vehicle with you. Medical expenses coverage will pay for medical expenses incurred by your passenger. It protects you from paying them from your own pocket.
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