Most states require drivers to carry a minimum level of Liability Coverage, which can help cover damage to someone else’s automobile or personal property if you’re at fault in an accident. It also covers medical expenses related to injuries to others resulting from an accident. If you’re making payments on a vehicle you own or lease, Collision Coverage can help cover the cost of repairing or replacing that vehicle due to an accident or other covered loss. Comprehensive Coverage can help cover damage related to things such as an animal hitting the car, vandalism, hailstorms, or falling trees.

Coverage is also available to help pay costs related to your own injuries if you’re involved in an accident and to cover the cost of a rental car. Uninsured/Underinsured Motorist Coverage can help protect you if the at-fault driver either doesn’t have insurance or doesn’t have enough insurance to pay for your damages or medical expenses due to the accident. Most personal Auto Insurance Policies come with deductibles for which a driver is responsible before coverage applies. Deductibles and coverage levels will affect the cost of a policy.