What does car insurance cover?

Your car insurance coverage depends on the type of policy you purchase. Different types of car insurance include:

  • Bodily injury (BI) and property damage (PD) liability coverage for damaged caused to other people or property.
  • Personal injury protection (PIP) to cover medical expenses and other damages.
  • Collision and comprehensive coverage for damage done to your vehicle in collisions, and in non-collisions (i.e., fire, vandalism, or theft).
  • Uninsured and underinsured motorist (UM/UIM) coverage protects in the event of an accident where the at-fault driver doesn’t have insurance.