Auto Insurance
What does auto insurance cover?
Understanding your auto insurance coverage helps you make informed decisions about protecting yourself, your passengers, and your vehicle.
Coverage overview
What auto insurance covers
Understanding what's included in a standard auto insurance policy—and what might require additional coverage.
Typically covered
- Bodily Injury LiabilityPays for injuries you cause to others in an at-fault accident. Required in most states.
- Property Damage LiabilityPays for damage you cause to another person's vehicle or property.
- Collision CoveragePays to repair or replace your car after an accident, regardless of fault.
- Comprehensive CoverageCovers theft, vandalism, weather damage, animal strikes, and other non-collision incidents.
- Uninsured/Underinsured MotoristProtects you if hit by a driver with no insurance or insufficient coverage.
- Medical Payments (MedPay)Pays medical expenses for you and passengers, regardless of fault.
- Personal Injury Protection (PIP)Covers medical expenses plus lost wages and other costs. Required in no-fault states.
- Rental Car ReimbursementPays for a rental car while yours is being repaired.
- Roadside AssistanceCovers towing, flat tires, lockouts, and jump starts.
- Gap InsurancePays the difference between your car's value and what you owe on a loan.
Usually not covered
- Normal Wear and TearMaintenance and routine repairs are your responsibility.
- Mechanical BreakdownAdd-on availableEngine, transmission, and mechanical failures aren't covered. Consider a warranty.
- Intentional DamageDamage you cause on purpose is never covered.
- Driving for Rideshare (Uber/Lyft)Add-on availablePersonal policies typically exclude commercial use. Rideshare drivers need additional coverage.
Related Auto Insurance guides
Rideshare Insurance in 2026
Uber and Lyft leave dangerous coverage gaps. Learn how rideshare insurance fills Period 1 gaps, what TNC endorsements cost, and why you need it before driving.
Read moreCar Insurance Rates in Tulsa: What Drivers Pay
Tulsa drivers pay $2,339/year for full coverage. Learn how hail, I-44 traffic affect rates, plus discounts that save 30%. Compare quotes and save today.
Read moreAuto Insurance in San Fernando
San Fernando auto insurance guide: new 30/60/15 minimums for 2025, at-fault system explained, I-5/I-210 coverage tips, and how to save on rates.
Read moreAuto Insurance in Tempe
Tempe auto insurance guide: Arizona's 25/50/15 minimums, ASU student rates, at-fault system, and tips for the I-10/Loop 101/202 interchange hub.
Read moreReady to get auto insurance quotes?
Get personalized quotes in minutes. Our licensed agents are standing by to help you find the best rate.