The Different Types of Car Insurance Coverage You Need to Know About

When it comes to car insurance, there are a lot of different coverage options available. And while it’s not required in all states, it’s still something that every driver should have. But with so many different types of coverage, it can be difficult to know which one is right for you. Here’s a quick rundown of the different types of comprehensive car insurance coverage available so you can make an informed decision when choosing your own policy.

Liability Coverage

This is the most basic type of coverage, and it’s required in most states. It covers things like property damage and medical expenses for the other driver, but it doesn’t cover any damage to your own vehicle. If you have an older car or one that isn’t worth much, liability coverage may be all you need. But if you have a newer or more expensive car, you’ll want to add on additional coverage.

Collision Coverage

Collision coverage helps pay for repairs to your own vehicle if it’s damaged in an accident, not taking into account who is at fault. This type of coverage is typically only required if your car is being financed or leased, but it’s something to consider even if it isn’t. After all, accidents happen, and repairing a damaged car can be expensive.

Comprehensive Coverage

Comprehensive coverage helps pay for repairs (or replacement) to your own vehicle if it’s damaged by something other than a collision. This could include things like hail damage, theft, or vandalism. Like collision coverage, comprehensive coverage is usually only required if your car is being financed or leased. But depending on your driving habits and where you live, it might be something worth considering.

Uninsured/Underinsured Motorist Coverage

Even though it’s required in some states, there are still a lot of drivers out there who don’t have insurance. And if you’re in an accident with one of them, type of coverage can help pay for your damages. It also covers you if you’re hit by a hit-and-run driver or if the other driver doesn’t have enough insurance to cover all of the damages they caused.

Rental Reimbursement Coverage

This type of coverage will aid in paying for a rental car while your own vehicle is being repaired after an accident.  If you don’t have another car to drive or someone else to rely on for transportation while yours is being fixed, rental reimbursement coverage could be a good option for you.

Towing and Labor Coverage

This type of roadside assistance pays for tow services and labor charges if your vehicle becomes disabled due to an accident—up to a certain dollar amount per occurrence. If you frequently find yourself stranded on the side of the road or paying for expensive tow truck services, this might be something worth considering adding to your policy.


As you can see, there are a variety of types of car insurance coverage available to protect yourself and your vehicle. It’s important to consider all options and choose the coverage that best fits your needs. And remember, always check with your insurance provider to make sure you have enough coverage in case of an accident.