Each state has mandatory coverages and limits for those coverage that you must have. This usually includes:
Liability insurance pays when you are legally liable for unintentional bodily injury and also covers property damage to others
Uninsured Motorists / Underinsured Motorists pay damages for bodily injuries when you are legally entitled to recover from an uninsured or underinsured motorist.
In some states, some optional coverages (typically medical payments and uninsured/ underinsured motorists coverages) are voluntary coverages. In others, they're mandatory. Typical optional coverages (endorsements) include:
Medical Payments or personal injury protection (aka PIP or MedPay) pays for reasonable and necessary medical and funeral expenses incurred within three years of the accident, no matter who's at fault, if you and/or occupants in your car are injured. PIP may also protect you and your household members if injured as a pedestrian. PIP is required in Colorado, Delaware, Florida, Hawaii, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon and Utah. Also PIP pays for your personal injuries without co-pays and deductibles that occur with typical health insurance.
Collision Coverage pays, less your deductible, for damage to your car as a result of an accident with another car or a collision with almost anything else. In some instances, your collision coverage deductible, could be waived deductible if you have an accident with another driver insured through your same insurance company.
Comprehensive Coverage covers you for non-collision-related losses including fire, theft, glass breakage and vandalism, less a deductible. It even provides limited benefits for alternative transportation if your vehicle is ever stolen.
Car rental reimbursement coverage reimburses you for rental car usage if your car is out of service over 24 hours, due to a loss covered by your collision or comprehensive coverage. In some cases, you may have to purchase comprehensive or collision coverage to get Car rental reimbursement coverage.
Sound Receiving and Transmitting Equipment Coverage provides protection on items like CB radios and mobile phones, up to the limit you select and subject to an additional premium and the comprehensive coverage deductible.
Gap insurance Covers up to a certain dollar amount and percent of the manufacturer's suggested retail price of the vehicle at the time of loss.
Towing coverage
Auto glass insurance pays for replacement of window glass in the vehicle.
Daily rental insurance gives you the cost of renting a car while your automobile is being repaired, on account of a covered accident.
Emergency roadside assistance endorsement pays for repairs on the site of breakdown or accident. When combined with auto towing cover, it is called roadside emergency towing service.
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