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Types of Auto Insurance Coverages

Bodily Injury

Bodily Injury

Coverage in the event you cause an accident and others are injured.

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Property Damage

Property Damage

Coverage in case your car damages someone else's property

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Medical Payments

Medical Payments

Covers certain medical expenses if you or a passenger are injured in an accident.

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Collision Coverage

Coverage for damages to your car caused by impact with another vehicle or object.

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Comprehensive Coverage

Comprehensive

Coverage for damages to your car caused by theft, fire or vandalism.

Bodily Injury

Coverage in the event you cause an accident and others are injured.

Understanding Bodily Injury Coverage

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Property Damage

Coverage in case your car damages someone else's property

Understanding Property Damage Coverage

Learn More

Medical Payments

Covers certain medical expenses if you or a passenger are injured in an accident.

Understanding Medical Payments Coverage

Learn More

Collision Coverage

Coverage for damages to your car caused by impact with another vehicle or object.

Understanding Collision Coverage

Learn More

Comprehensive

Coverage for damages to your car caused by theft, fire or vandalism.

Understanding Comprehensive Coverage

Learn More

Bodily Injury

Property Damage

Medical Payments

Collision Coverage

Comprehensive

  • Understanding your car insurance policy can be confusing and time consuming. Let Liberty Mutual help you cut through the jargon and explain the different types of auto insurance available to you.

    Bodily Injury Liability
    Bodily injury liability covers you in the event that you cause an accident in which another person (or people) is injured.

    Property Damage Liability
    Coverage in case your car damages someone else's property - usually this means someone else's car, but it could be a fence, light post or other piece of property.

    Medical Payments
    Medical Payments covers certain medical expenses if any vehicle occupants are injured in an accident.

    Collision Coverage
    Collision coverage is an optional coverage that covers damage to your car caused by impact with another car or object.

    Comprehensive Coverage
    Comprehensive car insurance coverage is also an optional coverage that covers damages to your car caused by something other than a collision - like theft, fire, etc.

    Better Car Replacement
    With this optional coverage, if your car is totaled we'll give you the money to replace it with a car that is one model year newer and has 15,000 fewer miles on it.*


    Get an Auto Insurance Quote

    The descriptions of coverages and programs are necessarily brief and are subject to policy provisions, limitations and exclusions that can only be expressed in the policy itself. Coverages and programs vary by state and are not available in all states. For a complete explanation of coverages, please consult a sales representative.

    *Optional coverage, not available in all states. Applies to a total covered loss. Does not apply to leased vehicles or motorcycles. Deductible applies.