Car insurance typically consists of several types of coverage, each designed to protect you and your vehicle in different scenarios. Common types of coverage include:
- Liability Coverage: Covers bodily injury and property damage liability if you’re at fault in an accident.
- Collision Coverage: Pays for damage to your vehicle caused by collisions with other vehicles or objects.
- Comprehensive Coverage: Provides coverage for damage to your vehicle from non-collision events such as theft, vandalism, fire, or natural disasters.
- Personal Injury Protection (PIP): Covers medical expenses and lost wages for you and your passengers regardless of fault.
- Uninsured/Underinsured Motorist Coverage: Protects you if you’re involved in an accident with a driver who doesn’t have insurance or has insufficient coverage.