The six most common types of car insurance are liability, collision, comprehensive, uninsured/underinsured motorist, PIP, and MedPay.
Liability: Pays for bodily injury and property damages for the other driver and their passengers when you’re at fault for an accident
Collision: Repairs or replaces your car if it’s damaged in a collision with a vehicle or a stationary object
Comprehensive: Covers non-collision events such as fire, theft, and vandalism
Uninsured/underinsured motorist: Pays for bodily injury and property damages for you and your passengers when the at-fault driver has no insurance or too little coverage
PIP: Covers medical and funeral expenses and lost wages for you and your passengers regardless of who’s at fault for an accident
MedPay: Covers medical and funeral expenses for you and your passengers regardless of who’s at fault for an accident