Site Overlay

Auto Insurance Coverages

Types of Coverage

You might be curious about what kind of car insurance policy to buy — and the car insurance rates you’ll end up paying — when seeking a new policy or considering switching car insurance providers. Comprehensive and collision coverages are not mandatory in any state, but most states offer room to build a policy that suits your financial situation and driving needs.


Comprehensive insurance is an optional addition available with most car insurance policies. It covers damage caused by or related to theft, animals, vandalism, and weather. You should think of it as coverage that doesn’t cover your vehicle colliding with something — that would be handled via collision coverage. On average, a comprehensive claim will raise your premium by $36 every six months.

Comprehensive coverage insures against damage that does not occur as a result of colliding with another car. Below are some common examples of when comprehensive coverage could be used to cover a claim:

  • Flood damage and weather-related occurances like hailstorms
  • Damage caused by animals (insects, rodents, etc.)
  • Collision with a deer or other animal (the one exception to rule stated above)
  • Stolen car or vandalism

Collision and comprehensive coverage work together to protect against physical damage to your vehicle. In an accident, your collision insurance covers your vehicle when it collides with another object. Examples of this include:

  • A collision with another vehicle or vehicles
  • A crash into a fixed object, such as a pole or a wall


Collision insurance covers damage to your vehicle in the event of an accident, such as a fender bender or a collision with a fixed object. Unlike liability insurance, collision coverage is not required by law. It is usually mandated if you’re financing or leasing a vehicle. Collision insurance is subject to a deductible: the amount you’re responsible for paying prior to your auto insurance coverage kicking in.

Collision coverage protects your car if it collides with another vehicle or fixed object. This coverage applies regardless of fault. However, filing a collision claim involves paying a deductible and typically raises your future premiums. Collision insurance covers:

  • Property damage to your vehicle sustained in a collision
  • Property damage sustained by hitting a fixed object, such as a tree or wall
  • Damage to your vehicle caused by an uninsured or hit-and-run driver
  • Damage sustained after losing control of your vehicle because of an icy road
  • Damage caused by hitting a pothole

State laws do not require collision coverage. If you’re leasing or financing your car, the dealer might require it. If you own a high-value vehicle, this coverage is highly recommended.

Uninsured and Underinsured Motorist

Some drivers only carry the minimum liability coverage, which might not protect you or in your vehicle in full, if you were to be the victim of an at-fault collision. To prepare for this scenario, underinsured coverage will pay your damages in the event the driver does have insurance, but the damages would exceed the liability limits of their policy. Uninsured motorist kicks in for events such as a “hit-and-run” — when you’re in a non-at-fault accident and the other driver is uninsured.

Underinsured and uninsured can be further broken down into two more specific coverages:

  1. Uninsured property damage insurance coverage: protects your vehicle from physical damage in a car accident, while clarifying to your insurance company that the accident was not your fault and therefore will prevent your insurance rates and deductible from rising.
  2. Uninsured bodily injury insurance coverage: covers your medical bills and other fees if you sustain any bodily injury in the event of a car wreck. This, unlike uninsured property damage insurance, does not have a deductible.

Auto Liability

Liability insurance coverage protects other drivers from bodily injury or property damage you might cause in an at-fault accident. It is the most basic form of auto insurance and does not cover you or your vehicle in an accident. It is required by nearly every state in order to legally drive and register your vehicle. 

Liability coverage comprises two key coverages: bodily injury and property damage liability.

  • Bodily injury covers the medical bills for which you are responsible in a collision. Bodily injury insurance is allocated on per-person and per-accident bases.
  • Property damage covers the property damage you cause — to a vehicle, structure, bicycle or other property.

Medical Payments

Medical payments coverage — often called Med Pay — provides medical and/or funeral expenses after an auto accident. Med Pay is typically expressed as a coverage limit on your insurance policy and does not feature a deductible. Medical payments coverage for car insurance is currently required in only in New Hampshire, Pennsylvania, and Maine, but can be added as optional coverage in other states.

Personal Injury

Personal Injury Protection (PIP) coverage is the portion of a car insurance policy that provides medical expenses and work loss coverage for you and your passengers after a car accident, regardless of fault. PIP coverage is often a requirement in “No-Fault” states, as it covers your injuries, no matter who caused the accident.

You should consider PIP if:

  • State law requires it
  • You commonly drive with passengers in your vehicle who could hold you responsible for their medical expenses if they were injured in an accident.
  • You don’t have a great health insurance plan. Comprehensive health insurance coverage renders PIP or medical car insurance less necessary. If in doubt, check with your healthcare provider.

Personal injury protection insurance is a “no-fault” coverage. Meaning even if you are determined to be at fault in an auto accident, medical expenses (such as medical and surgical treatment, ambulance fees, and medication) for you and your passengers will be covered up to the policy’s limit. It replaces the standard bodily injury liability portion of your insurance policy. PIP can also be used to recover lost wages and rehabilitation services.

PIP insurance covers:

  • Medical bills
  • Surgical fees
  • Ambulance fees
  • Wost wages
  • Rehabilitation services

Ask For A Review Of Your Policy and Discounts. Let Us Compare Quotes From Top Carriers For You!

No Hold Times, No Automated Responses

No hold times or automated responses. I got the protection for my home, car, and business in just one phone call. It’s a relief not having to wait a long time to get connected to a real agent. I love the service, so fast and easy.

Jennifer Taylor

Unbeatable Savings

My insurance increased by $458 without any claims or accidents in the past 6 months. CallandQuote was able to find me the same coverage at a lower premium with a carrier that provides way better service.  I’ll be referring CallandQuote to handle all of my friends and family for personal and business protection needs.

Greg Powell

Quote in 2 Minutes

I’m not tech savvy and don’t like cookie cutter results. In just a few minutes on the phone, CallandQuote Agent had provided me with 8 quotes from several insurance carriers, compared it for me, and got a new policy with lower rate, cost, and at a higher coverage. Amazing!

Dawn Hughes

Exceptional Customer Service

I was directly connected to an Agent to answer all my questions immediately. The service to review for a discount was prompt. I didn’t have to wait long or worry if I’m selecting the wrong options for my policy.  In just one phone call, I was able to save $323 on my policy. Thank you CallandQuote for living up to your excellent customer service. 

Matt Tucker

Easy To Deal With and Super Fast

I’m satisfied switching my insurance with more coverage at a lower rate after an accident. Agent Anna helped me get what I was looking for over the phone. She handled everything for me and I didn’t have to do anything.

Sarah Evans

Everything is handled by a Live Agent

I didn’t have a good experience using apps and online to make changes, payment, and renewal my insurance policies. I had questions that the live chats weren’t able to answer me, keeps getting disconnected, and losing my information. Instead, I called CallandQuote, got connected to a real Agent over the phone, and got everything done for me. It was simple and easy, allowing me to do other things while I was on the phone. CalllandQuote is the most convenient way to get insurance, absolutely the best!

Cindy Rodriguez

Discounts on Multiple Insurance Policies

When I had to switch from the insurance app to the website to add a new insurance and update payment, it was so confusing with so many steps to take. I just called CallandQuote and spoke with Agent Bianca. She added a new payment method and also reviewed my policies for discounts. Unbelievable, I got several discounts when bundling multiple policies together. One phone call made my day! 

Patrick Jones

High Risk Insurance That’s Affordable

It was easy for me to talk to Agent Max because of his humor. Following several accidents and injuries, it was difficult to find affordable insurance to cover me. Max provided me with a better rate and coverage for my insurance. CallandQuote process allows Max to access 36+ carriers within minutes. CallandQuote is the best!

Stacy Williams

Get a FREE Quote Now!

(888) 365-6602

Get Connected to a Real Agent!

No Hold Time, Ever.