Educational information — not insurance advice.
Auto insurance is really a bundle of separate coverages. Knowing what each one does helps you compare apples to apples.
Pays for injuries and property damage you cause to others. Most states require it at minimum levels. It does not repair your own car.
Repairs or replaces your car after a collision, regardless of fault, minus your deductible.
Covers non-collision damage: theft, fire, weather, vandalism, and animal strikes, minus your deductible.
Protects you when an at-fault driver has no insurance or not enough. Required in some states.
Helps with medical costs after an accident, regardless of fault. PIP is required in some states.
It's free, private, and takes about two minutes.
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