Auto Insurance Coverage Types (USA)

There are 6 types of common coverages in automobile insurance. Your insurance policy may include all six or only some of them. Each coverage is priced differently/separately.

1. Bodily Injury Liability

Pays for bodily injuries or death the policyholder causes to someone else.

2. Medical Payments

Pays for medical expenses to the driver and passengers of the policyholder's car. Also called as Personal Injury Protection or (PIP).

3. Property Damage Liability

Pays for someone else's property damage caused by the policyholder.

4. Collision

Pays for damage to the policyholder's car caused by a collision. The collision could be with another car, a light post or any other objects including and not limited to a house.

5. Comprehensive

Pays for damages to the policyholder's car that are not caused by a collision with another car. Covered risks include theft, fire, hail, flood, vandalism, and other causes.

6. Uninsured or Underinsured Motorist Coverage

Pays for costs related to injuries as a result of collision with an uninsured, or underinsured driver. Underinsured motorist coverage comes into play when an at-fault driver has auto liability insurance, but the limit of insurance is inadequate to pay for your damages.

Your State's Requirements:

Each state requires that you have certain types of auto insurance coverages with minimum liability limits. These limits vary from state to state. Information about each state's insurance requirements and minimum liability limits are listed below in a table. (The first two figures refer to bodily injury liability limits and the third figure refers to property damage liability. For example, 25/50/10 means coverage up to $25,000 for one individual and $50,000 for all persons injured in an accident, and up to $10,000 for property damage.)

The insurance industry recommends that your bodily injury liability limits be $100,000/person and $300,000/occurrence.

Some states insurance is not compulsory but drivers must prove that they can meet the liability requirements if they do not have insurance. These states are marked with *.

Areas serviced are: new york, los angeles, california chicago, illinois houston, texas philadelphia, pennsylvania phoenix, arizona san diego, california dallas, texas san antonio, texas detroit, michigan san jose, california indianapolis, indiana san francisco, california columbus, ohio austin, texas baltimore, maryland milwaukee, wisconsin boston, massachusetts washington, district of columbia el paso, texas seattle, washington denver, colorado charlotte, north carolina fort worth, texas portland, oregon oklahoma city, oklahoma tucson, arizona new orleans, louisiana las vegas, nevada cleveland, ohio long beach, california albuquerque, new mexico kansas city, missouri fresno, california virginia beach, virginia atlanta, georgia sacramento, california oakland, california mesa, arizona tulsa, oklahoma omaha, nebraska minneapolis, minnesota honolulu, hawaii colorado springs, colorado st. louis, missouri wichita, kansas santa ana, california pittsburgh, pennsylvania arlington, texas cincinnati, ohio anaheim, california toledo, ohio buffalo, new york st. paul, minnesota corpus christi, texas aurora, colorado raleigh, north carolina newark, new jersey lexington-fayette, kentucky anchorage, alaska louisville, kentucky riverside, california bakersfield, california stockton, california birmingham, alabama jersey city, new jersey norfolk, virginia baton rouge, louisiana hialeah, florida lincoln, nebraska greensboro, north carolina plano, texas rochester, new york glendale, arizona akron, ohio garland, texas madison, wisconsin fort wayne, indiana fremont, california scottsdale, arizona montgomery, alabama shreveport, louisiana lubbock, texas chesapeake, virginia mobile, alabama des moines, iowa grand rapids, michigan richmond, virginia yonkers, new york spokane, washington augusta-richmond county, georgia glendale, california tacoma, washington irving, texas huntington beach, california arlington, virginia modesto, california durham, north carolina boise, idaho winston-salem, north carolina