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Liablity

This is required in every state except Florida. If you cause an accident, it covers the cost of bodily injury to people or property.

Uninsured / underinsured motorist

When the person who causes an accident doesn’t have insurance (or enough of it), this is what you want.

Comprehensive

Covers damages from break-ins, fire, hail, or even vandalism. It’s usually optional, but your lender might require it.

Collision

This helps you repair or replace your car if you’re in an accident with another vehicle. It’ll also cover damage to your car if you back into something.

Personal Injury Protection (PIP)

PIP helps you pay medical expenses for your injuries. If you lose income or have child care expenses because of an accident, this can cover those costs too!

Medical payments

100% optional. This can cover the cost of injuries to you, your passengers, or family driving your vehicle.

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