Here’s a closer look at the core coverage types you can buy through Connect:

Liability car insurance

Liability insurance includes two parts—bodily injury and property damage. If you cause an accident, liability insurance compensates the other driver for their losses, including medical bills and vehicle damage, up to the policy limit. Liability insurance also pays for your legal defense costs if you’re sued. In most states, drivers are required to carry a minimum amount of liability insurance.

Comprehensive insurance

Comprehensive insurance pays for your vehicle’s repairs if there is damage from a non-collision incident. For example, comprehensive insurance covers hail damage, theft, vandalism, falling objects and accidents with animals. The maximum payout for comprehensive insurance is the actual cash value of your vehicle if it’s totaled. If you need to file a claim, your insurance check will be reduced by the amount of your deductible.

Collision insurance

As the name suggests, collision insurance pays for your vehicle’s repairs after an accident, regardless of fault. It also covers accidents with stationary objects, like a telephone pole or tree.

Collision and comprehensive insurance are typically available together as part of a full coverage policy. These policies are usually optional, but if you lease or finance your car, you might be required to purchase them. Like comprehensive coverage, the maximum payout for collision insurance is the value of your vehicle if it’s totaled, minus a deductible.

Medical payments insurance

The medical payments portion of a policy pays for your medical bills if you, a family member or a passenger in your vehicle gets injured in an accident. It covers expenses like ambulance rides, X-rays, prescription medication, surgery and rehabilitation. Medical payments insurance is included with a full coverage policy and does not have a deductible.

Uninsured/underinsured motorist insurance

In some states, uninsured motorist coverage is required, and it’s optional in other states. If you get hit by a driver who does not have insurance or doesn’t have enough insurance to cover your losses in full, uninsured/underinsured motorist coverage will provide additional coverage for you and your passengers’ injuries. In some states you can also buy coverage for damage to your vehicle caused by an uninsured driver.

Personal injury protection

Personal injury protection (PIP) is a required coverage in no-fault states. This policy pays for your medical bills if you get injured in an accident, regardless of which driver caused the crash. It also extends coverage to passengers riding in your vehicle who are also injured. If you live in a fault state, PIP is often available as an endorsement for extra protection.