All of the following are types of motor vehicle insurance available to drivers:
- Liability insurance: This is the minimum amount of insurance required by law in most states. It covers bodily injury and property damage to others in the event of an accident that is your fault.
- Collision insurance: This covers damage to your own vehicle in the event of an accident, regardless of who is at fault.
- Comprehensive insurance: This covers damage to your vehicle from non-collision events, such as theft, vandalism, and weather damage.
- Uninsured/underinsured motorist insurance: This covers you if you are hit by a driver who does not have insurance or does not have enough insurance to cover your losses.
- Personal injury protection (PIP): This covers your medical expenses and lost wages if you are injured in an accident, regardless of who is at fault.
Other types of motor vehicle insurance that may be available include:
- Gap insurance: This covers the difference between what you owe on your vehicle and its actual cash value in the event of a total loss.
- Rental car insurance: This covers the cost of renting a car if your vehicle is damaged or stolen.
- Roadside assistance: This covers the cost of towing, roadside repairs, and other emergency services.
The type of motor vehicle insurance that is right for you will depend on your individual needs and budget. It is important to shop around and compare quotes from different insurance companies to get the best possible price.