| Coverage |
Explanation |
Example |
State Requirements |
| Bodily Injury Liability |
Coverage for injuries a covered driver causes to someone else. |
Injuries which result from an accident caused by a covered driver. |
Required in most states. |
| Property Damage Liability |
Coverage for damage a covered driver causes to someone else’s property. |
Damage to someone else’s vehicle. |
Required in most states. |
| Uninsured/Underinsured Motorists |
Funds to help pay for treatment of injuries caused by a collision with an uninsured motorist. |
May also be used if at-fault driver has inadequate liability insurance. |
Required in some states, optional in others. |
| Personal Injury Protection (PIP) also known as Medical Payments |
Funds to help pay for treatment of injuries caused to the driver and/or passengers of the policyholder’s vehicle. |
May cover medical payments, lost wages, etc. |
Required in some states, optional in others. |
| Collision |
Funds to repair damage caused to the policyholder’s vehicle. |
Collision with another vehicle, tree, etc. |
Optional in most states. |
| Comprehensive |
Funds to repair damage to the policyholder’s vehicle that are not the result of an accident with another person’s vehicle. |
Fire, theft, vandalism, glass breakage, etc. |
Optional in most states |
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