Collision coverage covers physical damage caused by a collision, regardless of who was at fault. Ask your agent about the market value of your car before deciding how much you need; deductibles may apply.
Personal Liability Coverage
Crashes generally cost more than the minimum limits, according to the Insurance Information Institute, so it’s a good idea to get more liability insurance than required. Talk to your insurance agent about how much Property Damage Coverage and Bodily Injury Liability Coverage you should purchase.
If your car is damaged by something other than a collision, such as hail, a fallen tree or vandalism, Comprehensive Coverage may cover the costs. Consider the market value of your car when deciding whether or not you need it.
Uninsured & Underinsured Motorist Coverage
If you're hit by a driver who doesn't have enough insurance, or any insurance at all, Uninsured and Underinsured Motorist Coverage may compensate you or a covered family member.