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General Liability General liability covers injuries/deaths and property damage resulting from an accident. This is the most important coverage and is commonly required by law in many states.

Comprehensive Comprehensive covers damage to your vehicle other than collision, such as fire, flood, break-ins, vandalism or theft, vandalism, break-ins, collisions with animals, and fire. It also covers natural disasters.

Collision Collision covers damage to your own vehicle in an accident. Collision is generally optional unless your car is financed or leased.

Uninsured/Underinsured Motorist Uninsured or underinsured motorist insurance covers you if you are injured in an accident with others who themselves carry insufficient or no liability. With the surprising number of such drivers out there, it's a good idea to have some.

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