Liability coverage is mandatory in most states and covers costs related to injuries or property damage to others if the policyholder is at fault in an accident. Collision coverage pays for damages to the policyholder’s vehicle resulting from a collision, regardless of fault. Comprehensive coverage protects against non-collision-related incidents, such as theft, vandalism, natural disasters, and animal strikes.

Personal injury protection (PIP) covers medical expenses and sometimes lost wages for the policyholder and passengers, regardless of fault. Uninsured/underinsured motorist coverage ensures protection if the policyholder is involved in an accident with a driver lacking sufficient insurance.

Personal auto insurance not only fulfills legal requirements but also provides critical financial security, helping cover repair costs, medical bills, and liability expenses, thereby offering peace of mind to drivers.