7 Types of Car Insurance Coverage

Types of Car Insurance Coverage

With so many different coverages, it's hard to know what's right for you. Understanding the different types of coverages can help you find the right car insurance policy for your needs and budget. Learn about types of auto insurance coverage with GEICO.

Liability Coverage

Liability coverage may pay for property damage and/or injuries to another person caused by an accident in which you're at fault. This coverage is required by most states to legally drive your vehicle.

  • Covers bodily injury and medical expenses for others if you're at fault in an accident.
  • Provides financial protection by covering property damage you cause in an accident.
  • Helps with legal expenses if you're sued due to an accident covered by your policy.

Medical Coverage

Medical payments or personal injury protection (PIP) coverage applies to you and your relatives that live in your home. It may also apply to passengers in your vehicle at the time of loss. This coverage helps pay for hospital bills, medical treatments and other related costs to include funeral expenses as a result of an accident regardless of who is at fault.

Physical Damage Coverages

Physical damage coverage for your vehicle is covered under two types of coverages, collision and comprehensive.

Collision coverage helps pay for repairs for damages caused to your vehicle regardless of who is at fault in the accident.

Comprehensive coverage helps cover the cost of damages to your vehicle when you're involved in an accident that's not caused by a collision. Comprehensive coverage covers losses like fire, theft, vandalism, glass breakage, natural disasters, falling objects and hitting an animal.

Having both collision and comprehensive coverages on your auto policy may offer comprehensive protection for your vehicle.

Uninsured Motorist Coverage

If you're injured in a car accident by an uninsured driver (a driver with no car insurance)—or in some states, a hit-and-run driver—then Uninsured Motorist coverage could help pay for your medical expenses. In some states, Underinsured Motorist (UIM) coverage is also available if you're in an accident with a driver whose insurance policy limits won't cover your vehicle damages or bodily injury expenses.

Emergency Road Service

When your car lets you down, we'll be here to help get your vehicle back up and running. GEICO Emergency Road Service helps with things like flat tires, dead batteries, lockouts and towing to the nearest repair facility and more. GEICO Emergency Road Service may help you navigate unexpected breakdowns and their associated inconveniences.

Rental Reimbursement

To ensure you are not without transportation, rental reimbursement may help pay for your rental car costs while your car is being repaired as a result of a covered loss. By including this optional coverage on your auto policy, you may have financial support for rental fees, helping to ease the burden of unexpected repairs.

Mechanical Breakdown Coverage

Mechanical breakdown coverage is available for new or leased cars that are less than 15 months old and with less than 15,000 miles. This coverage may help with repair expenses on all parts and systems not just the specific list of items covered by most dealer warranties. Mechanical breakdown insurance could help by reducing the financial burden of unforeseen repair costs.

What Coverage Types are Legally Required?

We recommend checking your state insurance minimums and reviewing all coverage options to make sure you have the right coverage. Our Coverage Calculator can help you find the right amount of coverage and the right deductible to fit your budget.

Additional Coverage You Can Use To Modify Your Policy

Umbrella Insurance may help provide an extra layer of liability coverage beyond your standard auto and home insurance policies. It helps protect your assets and cover legal costs if you're sued for causing a major accident or injury where your existing coverage limits are exceeded. Learn the basics of what umbrella insurance is and if it is right for you.

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Please note:

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.