Liability coverage
This covers damages and injuries that you may cause to another driver or their property in an accident. It typically includes bodily injury liability and property damage liability.
Collision coverage
This covers damages to your own vehicle in the event of an accident, regardless of who is at fault.
Comprehensive coverage
This covers damages to your vehicle from non-collision events, such as theft, vandalism, or natural disasters.
Personal Injury Protection (PIP) or Medical Payments
This coverage helps pay for medical expenses, lost wages, and other costs associated with injuries sustained in an accident.
Uninsured/Underinsured Motorist coverage
This coverage protects you in the event that you are in an accident with a driver who does not have insurance or does not have enough insurance to cover the damages.
Gap Insurance
This coverage is for drivers who have a lease or loan on their vehicle, it covers the difference between the actual cash value of the vehicle and the outstanding loan or lease balance.