{"id":248,"date":"2026-05-11T05:21:54","date_gmt":"2026-05-11T05:21:54","guid":{"rendered":"https:\/\/www.way.com\/insurance\/guide\/?p=248"},"modified":"2026-05-11T05:21:54","modified_gmt":"2026-05-11T05:21:54","slug":"car-insurance-coverage","status":"publish","type":"post","link":"https:\/\/www.way.com\/insurance\/guide\/car-insurance-coverage\/","title":{"rendered":"Types of car insurance coverages"},"content":{"rendered":"<p><i><span data-contrast=\"auto\">All drivers in the U.S.\u00a0are required to\u00a0carry car insurance coverage. It is always worth\u00a0buying\u00a0auto\u00a0insurance because having valid auto insurance will protect you from financial burdens like car\u00a0repair\u00a0costs and medical expenses in case of an accident.\u00a0Each car insurance policy includes multiple types of\u00a0coverage, and it is important to understand each one of them.\u00a0<\/span><\/i><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:2,&quot;335551620&quot;:2,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Which insurance coverage is best for your car? What are the different car insurance coverage types? What\u00a0is recommended\u00a0for car insurance coverage?\u00a0Let&#8217;s\u00a0help you understand the most common types of car insurance coverage across all states.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.way.com\/insurance\/guide\/car-insurance-coverage\/#What_is_covered_in_car_insurance\" >What\u00a0is covered\u00a0in car insurance?\u00a0<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.way.com\/insurance\/guide\/car-insurance-coverage\/#Types_of_car_insurance_coverage\" >Types of\u00a0car\u00a0insurance\u00a0coverage\u00a0\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.way.com\/insurance\/guide\/car-insurance-coverage\/#Optional_car_insurance_coverages\" >Optional\u00a0car insurance\u00a0coverages\u00a0<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_is_covered_in_car_insurance\"><\/span><span data-contrast=\"auto\">What\u00a0is covered\u00a0in car insurance?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span data-contrast=\"auto\">The different car insurance coverage\u00a0offers protection to the car and\u00a0passengers\u00a0under different circumstances.\u00a0The major coverages any car insurance company offers include\u00a0<\/span><span data-contrast=\"none\">liability, uninsured\/underinsured motorist, comprehensive, collision, medical payments, and personal injury protection<\/span><span data-contrast=\"none\">.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h3 aria-level=\"2\"><span class=\"ez-toc-section\" id=\"Types_of_car_insurance_coverage\"><\/span><span data-contrast=\"none\">Types of\u00a0car\u00a0insurance\u00a0coverage\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:299,&quot;335559739&quot;:299}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<table data-tablestyle=\"MsoTableGrid\" data-tablelook=\"1696\" aria-rowcount=\"6\">\n<tbody>\n<tr aria-rowindex=\"1\">\n<td data-celllook=\"4097\">\n<p aria-level=\"4\"><b><i><span data-contrast=\"none\">Types of\u00a0coverage<\/span><\/i><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335551550&quot;:2,&quot;335551620&quot;:2,&quot;335559738&quot;:319,&quot;335559739&quot;:319}\">\u00a0<\/span><\/p>\n<\/td>\n<td data-celllook=\"17\">\n<p aria-level=\"4\"><b><i><span data-contrast=\"none\">What\u00a0does it\u00a0mean?<\/span><\/i><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335551550&quot;:2,&quot;335551620&quot;:2,&quot;335559738&quot;:319,&quot;335559739&quot;:319}\">\u00a0<\/span><\/p>\n<\/td>\n<\/tr>\n<tr aria-rowindex=\"2\">\n<td data-celllook=\"4096\"><span data-contrast=\"auto\">Liability Insurance<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/td>\n<td data-celllook=\"16\"><span data-contrast=\"auto\">The element of a car insurance policy that offers financial protection for a driver who injures someone else or their property while driving a car is liability insurance. Liability insurance only covers injuries or property damage to third parties, not the driver or the driver&#8217;s property, which may be covered separately by other portions of their policy.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Bodily injury liability and property damage liability are the two parts of liability car insurance.\u00a0Except for New Hampshire, every state requires drivers to have liability insurance.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/td>\n<\/tr>\n<tr aria-rowindex=\"3\">\n<td data-celllook=\"4096\"><span data-contrast=\"auto\">Collision Coverage<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/td>\n<td data-celllook=\"16\"><span data-contrast=\"auto\">If you are involved in a covered accident, collision coverage will pay for the repairs to your car. Depending on the value of your car, it may not be worth getting collision coverage on it if it is older. However, if your car is brand new and expensive, collision coverage can help you get back to where you were before your car was damaged. This coverage is essential if you have a lienholder.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/td>\n<\/tr>\n<tr aria-rowindex=\"4\">\n<td data-celllook=\"4096\"><span data-contrast=\"auto\">Comprehensive Coverage<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/td>\n<td data-celllook=\"16\"><span data-contrast=\"auto\">Will your insurance provider cover the loss if anything happens to your car that isn&#8217;t related to a covered accident? Like damage due to weather, hitting a deer, or having your car stolen? These circumstances are covered by comprehensive coverage (other than collision).<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Comprehensive coverage is nice to have if it fits inside your budget. Car anti-theft and tracking equipment can make this coverage slightly more inexpensive, but having this form of insurance can be expensive and unnecessary, especially if your car is easily replaceable. On the other hand, this coverage is essential if you have a lienholder.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/td>\n<\/tr>\n<tr aria-rowindex=\"5\">\n<td data-celllook=\"4096\"><span data-contrast=\"auto\">Personal Injury Protection<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/td>\n<td data-celllook=\"16\"><span data-contrast=\"auto\">The costs of an accident can quickly build up, and Personal Injury Protection is available to cover those costs. This coverage will pay your medical claims, regardless of who is to blame in an accident. It should be noted that this coverage is not provided in all states.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/td>\n<\/tr>\n<tr aria-rowindex=\"6\">\n<td data-celllook=\"4352\"><span data-contrast=\"auto\">Uninsured\/Underinsured Insurance Coverage<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/td>\n<td data-celllook=\"272\"><span data-contrast=\"auto\">While state regulations require all drivers to have insurance, this is not always the case. Furthermore, if a motorist has liability insurance, many\u00a0jurisdictions\u00a0would\u00a0require you to lower the minimum coverage requirements.\u00a0This may not be sufficient to pay all of the accident costs.\u00a0In that case, you will either not receive any money if they do not have coverage or receive less than you need to cover the cost of damages if your damages exceed their coverage amount.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">This is the kind of situation in which Uninsured and Underinsured Motorist Protection would come in handy. Adding uninsured\/underinsured motorist coverage to your auto insurance policy is usually relatively inexpensive, especially given the amount of protection it provides.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span data-ccp-props=\"{&quot;335551550&quot;:0,&quot;335551620&quot;:0}\">\u00a0<\/span><\/p>\n<h3 aria-level=\"2\"><span class=\"ez-toc-section\" id=\"Optional_car_insurance_coverages\"><\/span><span data-contrast=\"none\">Optional\u00a0car insurance\u00a0coverages<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:299,&quot;335559739&quot;:299}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<table data-tablestyle=\"MsoTableGrid\" data-tablelook=\"1696\" aria-rowcount=\"6\">\n<tbody>\n<tr aria-rowindex=\"1\">\n<td data-celllook=\"4097\">\n<p aria-level=\"4\"><b><i><span data-contrast=\"none\">Types of Coverage<\/span><\/i><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335551550&quot;:2,&quot;335551620&quot;:2,&quot;335559738&quot;:319,&quot;335559739&quot;:319}\">\u00a0<\/span><\/p>\n<\/td>\n<td data-celllook=\"17\">\n<p aria-level=\"4\"><b><i><span data-contrast=\"none\">What Does it Mean?<\/span><\/i><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335551550&quot;:2,&quot;335551620&quot;:2,&quot;335559738&quot;:319,&quot;335559739&quot;:319}\">\u00a0<\/span><\/p>\n<\/td>\n<\/tr>\n<tr aria-rowindex=\"2\">\n<td data-celllook=\"4096\"><span data-contrast=\"auto\">Medical\u00a0Payments\u00a0Coverage<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:2,&quot;335551620&quot;:2,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/td>\n<td data-celllook=\"16\"><span data-contrast=\"auto\">Medical bills after an accident can be quite costly.\u00a0Regardless of who is at fault, medical payment coverage can\u00a0assist\u00a0in paying for medical expenses incurred due to a covered accident.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:2,&quot;335551620&quot;:2,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/td>\n<\/tr>\n<tr aria-rowindex=\"3\">\n<td data-celllook=\"4096\"><span data-contrast=\"auto\">Gap Insurance<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:2,&quot;335551620&quot;:2,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/td>\n<td data-celllook=\"16\"><span data-contrast=\"auto\">Subsequently, the value of a car depreciates\u00a0quickly;\u00a0therefore, an auto insurance settlement may not be\u00a0sufficient to meet the\u00a0loan&#8217;s\u00a0cost. After a total loss\u00a0or theft, gap insurance may help certain drivers\u00a0cover the amount\u00a0owed on a car loan.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:2,&quot;335551620&quot;:2,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/td>\n<\/tr>\n<tr aria-rowindex=\"4\">\n<td data-celllook=\"4096\"><span data-contrast=\"auto\">Towing Insurance<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:2,&quot;335551620&quot;:2,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/td>\n<td data-celllook=\"16\"><span data-contrast=\"auto\">Towing insurance is available if\u00a0you evidently\u00a0have comprehensive auto insurance.\u00a0All in all, towing insurance will compensate you for a tow as well as labor charges to fix your car.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:2,&quot;335551620&quot;:2,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/td>\n<\/tr>\n<tr aria-rowindex=\"5\">\n<td data-celllook=\"4096\"><span data-contrast=\"auto\">Rental Insurance<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:2,&quot;335551620&quot;:2,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/td>\n<td data-celllook=\"16\"><span data-contrast=\"auto\">It can be costly to figure out how to travel around following an accident. At the same time, rental insurance will help you pay for a rental car.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:2,&quot;335551620&quot;:2,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/td>\n<\/tr>\n<tr aria-rowindex=\"6\">\n<td data-celllook=\"4352\"><span data-contrast=\"auto\">Classic Car Insurance<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:2,&quot;335551620&quot;:2,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/td>\n<td data-celllook=\"272\"><span data-contrast=\"auto\">Classic car insurance provides specialist coverage tailored to the specific demands of collectors of vintage and classic cars.\u00a0<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>All drivers in the U.S.\u00a0are required to\u00a0carry car insurance coverage. It is always worth\u00a0buying\u00a0auto\u00a0insurance because having valid auto insurance will protect you from financial burdens like car\u00a0repair\u00a0costs and medical expenses in case of an accident.\u00a0Each car insurance policy includes multiple types of\u00a0coverage, and it is important to understand each one of them.\u00a0\u00a0 Which insurance coverage&hellip; <a class=\"more-link\" href=\"https:\/\/www.way.com\/insurance\/guide\/car-insurance-coverage\/\">Continue reading <span class=\"screen-reader-text\">Types of car insurance coverages<\/span><\/a><\/p>\n","protected":false},"author":5,"featured_media":250,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[20],"tags":[],"class_list":["post-248","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-auto-insurance","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - 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