Auto insurance
Car insurance, explained coverage by coverage.
Hover over any spot on the picture to see what it covers.
Auto insurance is a bundle of separate coverages, and each one answers a different question: who did I hurt, what happened to my car, and who hit me? Here's what each piece covers and when it applies.
Bodily injury liability
Pays for injuries to other people when you cause a crash — their medical bills, lost wages, and legal costs.
Example: You rear-end someone at a stoplight and they're hurt. Bodily injury liability pays their medical bills.
Property damage liability
Pays for damage you cause to other people's property — their car, fence, mailbox, or building.
Example: You swerve on an icy road and take out a mailbox and a fence. Property damage liability pays to fix them.
Collision
Pays to repair or replace YOUR car after a crash with another vehicle or object, regardless of who was at fault.
Example: You back into a pole in a parking lot and dent your bumper. Collision pays for the repair.
Comprehensive
Covers your car for things that aren't crashes — theft, hail, falling branches, fire, flood, and hitting an animal.
Example: A deer runs into your lane at dusk, or hail dents your hood. Comprehensive pays the damage.
Uninsured / underinsured motorist
Protects you when the driver who hit you has no insurance — or not enough to cover your injuries.
Example: You're hit by a driver with no insurance. This coverage pays what their (missing) policy should have.
Medical payments & extras
Optional add-ons: medical payments cover ER bills for you and your passengers; rental reimbursement and roadside assistance keep life moving while your car is in the shop.
Example: You and a friend both see the doctor after a crash — medical payments covers the visits, and a rental keeps you driving.
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