Coverage Guide
Common auto insurance coverage, broken into useful pieces. Actual protection depends on policy language, limits, exclusions, deductibles and state requirements.
Liability Coverage
Liability coverage is generally designed to address covered bodily injury or property damage you cause to others when you are legally responsible. Required limits, available limits and terminology vary by state. Minimum legal requirements may not reflect the amount of protection a particular household wants.
Collision Coverage
Collision coverage commonly addresses covered damage to your vehicle resulting from impact with another vehicle or object, subject to policy terms and a deductible. Vehicle value, financing requirements and your ability to absorb repair costs can be useful context.
Comprehensive Coverage
Comprehensive coverage may apply to specified non-collision losses such as theft, vandalism, weather, fire, falling objects, glass damage, or animal-related loss. Covered events and deductible choices depend on the policy.
Uninsured / Underinsured Motorist
Depending on state law and policy structure, this coverage may provide protection when another responsible driver has no insurance or insufficient limits. Requirements, availability and covered damages differ by jurisdiction.
Medical Payments / Personal Injury Protection
Medical-related options vary significantly by state. Some may help with eligible medical expenses or other covered costs after an accident regardless of fault, subject to the policy and applicable law.
Roadside, Rental & Other Features
Optional features may include towing, roadside assistance, rental reimbursement, glass-related options, gap-related products or other benefits. Availability, limitations and pricing vary by carrier and policy.
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Use RideAra as a starting point for questions, then review actual policy documents and state-specific requirements.
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