What a policy usually covers
- Liability pays for injuries and property damage you cause to others. Most states require a minimum amount.
- Collision helps repair or replace your car after a crash, minus your deductible.
- Comprehensive covers non-crash events such as theft, fire, hail or hitting an animal.
- Uninsured/underinsured motorist protects you when the other driver has too little or no insurance.
- Medical payments or personal injury protection helps with medical bills for you and your passengers, depending on your state.