Liability coverage
Liability pays for injury and property damage you cause to others. It is legally required in most states and is the foundation of any policy. Higher limits protect your personal assets if you are at fault in a serious accident.
Collision coverage
Collision pays to repair or replace your vehicle after a crash, regardless of who is at fault. It is usually required if you finance or lease the vehicle.
Comprehensive coverage
Comprehensive covers non-collision events — theft, vandalism, fire, weather, and animal strikes. It is what protects you from the surprises that have nothing to do with driving.
Gap protection
If your vehicle is totaled while you still owe more than it is worth, gap protection pays the difference between the insurance payout and your loan balance. It is especially valuable with low down payments or long loan terms.