: Covers your expenses if you are hit by a driver who has no insurance or insufficient coverage.
: Protects against damage to your car from non-collision events, such as theft, fire, vandalism, or extreme weather.
A standard policy typically bundles several types of protection:
: This is required by most state laws. It pays for injuries to others (Bodily Injury) and damage to their property (Property Damage) if you are at fault in an accident.
: Covers medical bills for you and your passengers regardless of who is at fault. Key Insurance Terms Knowing these terms is essential for managing your policy: 6 Types of Car Insurance Coverage - Allstate
Compare Car Insurance Rates Side-by-Side in 2026 - The Zebra
