Types of Auto Insurance Coverage
Auto insurance can include different categories of protection. Understanding what each category generally addresses can help people better understand insurance documents and terminology.
Coverage Categories
Generally relates to certain injuries or property damage for which the insured may be legally responsible.
Generally relates to damage to a covered vehicle resulting from a collision, subject to applicable terms and conditions.
Generally relates to certain types of vehicle damage that are not caused by a collision, such as specified weather-related or theft-related events, depending on the policy.
May provide certain protections when an accident involves another driver who has insufficient or no applicable insurance, depending on the policy and local requirements.
May help address certain medical expenses resulting from a vehicle-related accident, depending on applicable policy terms.
Coverage availability, requirements, definitions, exclusions, and limits vary by jurisdiction and policy.