What are the 6 main types of car insurance coverage?
As a driver, you have a lot of car insurance coverages to choose from. Some are required by your state, and others are optional—but recommended for extra protection.
Main types of car insurance
The 6 main types of car insurance coverage that you should know about before getting a car insurance quote or changing your policy are:
- Medical Payments
- Personal Injury Protection
- Uninsured Motorist
Please note, you'll need to pick the amount of each coverage to best meet your needs.
Bodily Injury Liability helps cover other people's medical expenses if you cause an accident.
Uninsured Motorist Bodily Injury: Helps pay for your injuries if the at-fault driver is uninsured.
Other common optional car insurance coverages include:
- New Car ReplacementTM
- Gap Coverage
- 24-Hour Roadside Assist
- Original Parts Replacement
- Rental Car Reimbursement
Other Optional Coverages
|1. New Vehicle ReplacementTM1 helps if your new car is stolen or totaled in the first year, you'll get the money for a brand-new car, not just the depreciated value.||Your car (and your wallet!)|
|2. Gap Coverage helps if your car is totaled or stolen, and its value is lower than the amount remaining on your loan, this will cover the remaining amount you owe.||Your car (and your wallet!)|
|3. 24-Hour Roadside Assistance2 pays for towing costs or onsite repairs if your vehicle breaks down. We'll pay the full cost of towing if you use our services, or help cover the cost if you make your own arrangements.||Your car|
|4. OEM New Replacement Parts3 helps replace any damaged parts to your vehicle with parts that meet the highest quality standards.||Your car|
|5. Rental Car Reimbursement4 helps pay for a rental car while your vehicle is being repaired after an accident.||Your wallet|
We know choosing car insurance coverage can be confusing! When you get a quote with us, we'll make sure you meet your state's required minimum coverages (often referred to as “basic car insurance”). We'll also explain optional coverages that can add extra protection.
At Liberty Mutual, you could save money on car insurance by only paying for what you need. It's still car insurance, just customized for you.