There are additional types of auto insurance coverage that you may need, besides the minimum liability coverage required by law.
As noted above, liability coverage pays if you’re the at-fault party in a crash. It includes per-person and total bodily injury and property damage liability coverage.
Uninsured/underinsured coverage protects you in the event of an accident involving an uninsured or underinsured driver.
Personal injury insurance covers medical expenses incurred by you and/or your passengers. This may include lost wages if you have to take off from work while recovering from injuries.
Collision insurance pays for repairs to your car from an auto accident.
Comprehensive insurance covers non-accident related risks such as theft, vandalism or weather damage such as wind or hail.