Understanding Car Insurance: Types of Coverage

and what You Need to Know

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Car insurance is an important investment that can provide financial protection on the road.

However, with so many types of coverage available, it can be overwhelming to choose the right policy. In this article, we will explain the different types of car insurance coverage and what you need to know to make an informed decision.

1. Liability Coverage

Liability coverage is the most basic type of car insurance coverage and is required by law in most states. It covers damages and injuries you cause to other people and their property in an accident. There are different types of liability coverage, including bodily injury liability and property damage liability andwith that comes a minimum coverage requirements based on the state you are in.

2. Comprehensive Coverage

Comprehensive coverage is another optional type of coverage that covers damages to your vehicle from non-accident-related incidents, such as theft, vandalism, or natural disasters. You can learn more about comprehensive coverage and when it might be necessary through Nationwide.

3. Collision Coverage

Collision coverage is an optional type of coverage that covers damages to your own vehicle in case of an accident. Regardless of who’s at fault, collision coverage financially protects you from damage that incur if you hit another vehicle or object, another vehicle hits you, or your vehicle rolls over.  

4. Personal Injury Protection

Personal injury protection also known as PIP is a type of coverage that covers medical expenses and lost wages for you and your passengers in case of an accident, regardless of who was at fault. Unlike Medical Pay(type of auto insurance), PIP covers medical bills, lost wages, and certain other expenses after a car accident, regardless of fault.

5. Uninsured/Underinsured Motorist Coverage

As the name suggests, Uninsured motorist is a type of coverage that protecs you and your vehicle from uninsured drivers and hit-and-run accidents.

Underinsured Motorist coverage on the other hand, protect you from drivers who do not have enough insurance to cover the costs of an accident.

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