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At its most basic, car insurance covers you financially for any damage caused by an accident. Damage can include bodily injury or property damage. With how prevalent car accidents are, it’s no wonder that almost all states require some level of insurance -- accidents can easily cost into the tens of thousands of dollars when all is said and done, and these costs could easily devastate the average American family’s finances. By purchasing insurance ahead of time, drivers can mitigate future financial risk.
Full coverage insurance is generally defined as insurance that includes comprehensive, collision, and liability coverage, as well as any other types of coverage required within one’s state. The amounts of coverage you’ll need in each category to be considered full coverage is situation dependent. To learn more about full coverage, click here.
Medical Payments, or MedPay, is typically an optional type of coverage that provides coverage for medical expenses incurred after an accident. Covered persons can include the driver(s), passenger(s), and any affected bystanders such as pedestrians or bus drivers.
MedPay is only a requirement in the following states:
Much like MedPay, personal injury protection (PIP) provides medical expense coverage. It can also cover other losses, including wage loss, childcare or household care-related costs, and funeral expenses.
PIP is required in the following states:
Uninsured or underinsured motorist coverage (UM/UIM) essentially provides added coverage in case you get in an accident with a driver who either does not have insurance or whose insurance is not able to cover the full costs associated with an accident. This is a minimum requirement in many states.
State minimum insurance is dictated by each state individually. Drivers in a particular state may be legally required to purchase a minimum amount of liability insurance, MedPay or PIP, and/or UM/UIM coverage. As your state minimum will depend entirely on where you live, please check out our page on state minimums to read more on the topic.
Car insurance is an expensive investment, and that’s why comparison is key. Try comparing quotes from top carriers today and see how much you can save.