Car Insurance Coverage

Generally, your car insurance policy is designed to cover your liability compensation, legal costs, car repair, and replacement costs. But the actual protection you get depends on the auto insurance coverage you purchase in your policy. Standard policies typically include liability, collision, and comprehensive coverage, while optional add-ons like MedPay, gap insurance, and roadside assistance offer extra protection tailored to your needs.

Full coverage typically combines liability, collision, and comprehensive insurance to protect both you and your vehicle from accidents, theft, and other damages.

To get full coverage car insurance quotes, start by gathering your vehicle and personal information. Compare quotes from multiple insurers, including liability, collision, and comprehensive coverage. Consider optional add-ons like MedPay, gap insurance, or roadside assistance to get an accurate estimate tailored to your needs.

Liability insurance covers damages you cause to others in an accident. This includes bodily injury to other drivers, passengers, or pedestrians, and property damage to vehicles, buildings, or other structures.

If you’re not at fault, this means that the other driver is. In this case, the other driver’s liability insurance coverage will pay for your medical bills, loss of income, and your car’s repair/replacement expenses. If the other driver has inadequate liability coverage or none at all, and if they’re unable to pay out of pocket, then you will need the uninsured/underinsured (UI/UIM) motorist coverage.

Comprehensive coverage protects against non-collision damages like theft, vandalism, fire, or weather events, while collision covers damages from an impact with another vehicle or object. 

Yes, collision coverage helps repair or replace your car if it’s damaged in a collision with another vehicle or object, whether moving or parked.

PIP (Personal Injury Protection) covers medical expenses, lost income, and other related costs for you and your passengers, while MedPay strictly covers medical bills. Both apply regardless of fault.