: Pays to repair or replace your own vehicle after it hits another car or a stationary object like a tree.
Auto insurance is a legally required contract between you and an insurance company that protects you against financial loss in the event of an accident or theft. Understanding the components of a policy and how to customize coverage ensures you are neither underinsured nor overpaying. Core Coverage Types
: This is required by most state laws. It pays for injuries to others (Bodily Injury) and damage to their property (Property Damage) if you are at fault in an accident. auto insuranse
: Covers medical bills for you and your passengers regardless of who is at fault. Key Insurance Terms Knowing these terms is essential for managing your policy: 6 Types of Car Insurance Coverage - Allstate
Compare Car Insurance Rates Side-by-Side in 2026 - The Zebra : Pays to repair or replace your own
: Covers your expenses if you are hit by a driver who has no insurance or insufficient coverage.
A standard policy typically bundles several types of protection: Core Coverage Types : This is required by most state laws
: Protects against damage to your car from non-collision events, such as theft, fire, vandalism, or extreme weather.