This is the basic insurance type that covers your vehicle if you collide, or run into, something. This covers collisions with other cars as well as if you were to run into a wall, barrier or bridge.

This covers anything that may happen to your car that is not directly related a collision. This would include things such as theft, fire, hitting a deer or vandalism.

This type of coverage covers the damages when you are at fault in an accident and you damage someone else’s car or property. Liability coverage is often mandated by law, so it is important that you as the driver make certain you have an adequate amount.

This is also called PIP in some states. Medical payments pay for any injuries to the driver or passengers that occur if an accident occurred while you were driving. Medical payment insurance varies from state to state, so make certain you are covered as expected.