Damage resulting from a collision with another vehicle or a stationary object. For vehicles with an outstanding loan, replacement coverage is recommended to protect against financial loss.

This component of the insurance policy covers repair or replacement costs if the car is stolen or damaged due to natural events. It also provides coverage for a rental car for the entire duration of your rental period.

Every state requires that licensed vehicles carry at least the minimum amount of liability insurance. However, higher liability limits are often recommended to protect against potential lawsuits that may exceed the state-mandated minimums. Liability coverage is typically divided into two main categories:

Liability coverage includes damage to public or private property belonging to others. However, it does not cover your own personal property.

When other people are injured in a collision involving your vehicle—including passengers who are not related to you—their medical expenses are covered by the bodily injury liability portion of your auto insurance.

This coverage pays for medical expenses incurred by you and your immediate family in the event of an automobile accident. If you already have health insurance, this coverage may be redundant.

Although the law requires every driver to carry insurance, many either lack coverage altogether or carry insufficient insurance. Uninsured/underinsured motorist coverage protects you by covering your expenses if you're involved in an accident caused by a driver with no insurance, inadequate coverage, or a hit-and-run incident.

In the event of a catastrophic loss, an umbrella policy provides an extra layer of liability protection, shielding you beyond the limits of your standard insurance.

Non-owner auto insurance is a type of liability coverage that protects a business from legal claims when employees use personal vehicles for company-related activities.

If you're a delivery driver, your personal auto insurance typically won't cover you while you're on the job. Additionally, most employers do not provide commercial or food delivery insurance, meaning it's your responsibility to secure the appropriate coverage for work-related driving.

Usage-based auto insurance programs determine your rates based on how and how much you drive.

Most auto insurance companies offer roadside assistance as an optional add-on, covering services such as towing, lockouts, jump-starts, flat tire changes, and fuel delivery.

GAP insurance covers the difference between what you owe on your car loan and the car’s actual value if it's totaled or stolen.

Customized Parts and Equipment Coverage protects aftermarket or modified parts that were not installed by the original manufacturer.

Ridesharing companies often have specific rules and insurance requirements. If you're currently a driver or considering becoming one, be sure to inform your insurance provider to ensure proper coverage.