What does car insurance cover?

Depending on the coverage included in your policy, car insurance could also cover damage to your car while it’s parked, like if a large tree branch were to fall on it.

Ultimately, what your auto insurance will cover — and how much — depends on what type of car insurance you have and the amount of coverage you select.

Medium Brush Stroke

Bodily Injury Liability

Bodily injury liability coverage can help cover medical bills and wages lost for taking time off of work because of bodily harm.


If you crash into another car or an object, or your car gets damaged from driving over a pothole, collision coverage can pay for the costs to repair any damages to your car.


Comprehensive liability includes everything else — like a deer running into the front of your car, riots and vandalism, a tree branch falling on your car, a hailstorm and natural disasters.

Personal Injury Protection (PIP)

Should you, the driver, or your passengers get harmed in a car accident, personal injury protection (PIP), also known as medical payments coverage, can help pay for medical bills, lost wages and sometimes funeral costs.

Personal Injury Property Damage

Let’s say you or a named driver on your policy damages another vehicle or property, such as the side of a building. In these situations, property damage can reimburse the cost of repairs.