Your car insurance coverage shouldn’t be a mystery. Knowing what your car insurance does and doesn’t cover is crucial information, and something you’ll want to know before you have to file a claim. Feeling a little foggy about what your insurance plan covers? No worries. Read on for a fuller understanding of your coverage.
What’s covered depends on your coverage
The first thing to do when trying to get a clearer picture of what your insurance policy covers is to identify what type of coverage you have. There are six main types of car insurance:
- Liability: Liability insurance protects you if you’re liable for the damage to another driver’s vehicle in an accident. This type of coverage is required in almost every state.
- Collision: Collision covers the repair or replacement of your vehicle no matter who is at fault in an accident. You’re required to have collision insurance if you lease or finance your vehicle.
- Comprehensive: Comprehensive insurance covers damage to your vehicle that was not caused by an accident. Examples include: rodent damage, fallen limb coverage, and more.
- Personal injury protection: This type of coverage pays for direct and indirect medical bills if you’re involved in an accident.
- Uninsured/underinsured motorist: Covers vehicle damage and medical bills after an accident with an uninsured/underinsured driver. This type of insurance is required in 20 states.
- Medical payments: This pays for any and all of your medical expenses after an accident.
While this may seem fairly straightforward, your coverage also depends on which car insurance company you choose.
Surprising things your car insurance covers
- Get a Car Insurance Quote
- Elephant's Multi-Car Discount
- About Elephant Insurance
- Elephant Reviews
- Elephant's Blog - The Glovebox
- Elephant Careers
- Partner With Us
- Elephant FAQs
- Elephant Terms of Use
- Elephant Insurance Privacy & Security
- Elephant's Responsible Disclosure
Popular Podcasts
On Purpose with Jay Shetty
I’m Jay Shetty host of On Purpose the worlds #1 Mental Health podcast and I’m so grateful you found us. I started this podcast 5 years ago to invite you into conversations and workshops that are designed to help make you happier, healthier and more healed. I believe that when you (yes you) feel seen, heard and understood you’re able to deal with relationship struggles, work challenges and life’s ups and downs with more ease and grace. I interview experts, celebrities, thought leaders and athletes so that we can grow our mindset, build better habits and uncover a side of them we’ve never seen before. New episodes every Monday and Friday. Your support means the world to me and I don’t take it for granted — click the follow button and leave a review to help us spread the love with On Purpose. I can’t wait for you to listen to your first or 500th episode!
Stuff You Should Know
If you've ever wanted to know about champagne, satanism, the Stonewall Uprising, chaos theory, LSD, El Nino, true crime and Rosa Parks, then look no further. Josh and Chuck have you covered.
The Joe Rogan Experience
The official podcast of comedian Joe Rogan.