Bodily injury liability
Bodily injury liability protects against an injury you cause with your vehicle. Example: You rear-end another driver and the impact gives them whiplash.
Property damage liability
This kind of coverage protects against property damage you cause with your vehicle, like if you run a stoplight and cause an accident involving another vehicle.
Personal injury protection
Personal injury protection covers medical expenses for you and your passengers after an accident. This kind of coverage is required in some states. You'll want this coverage if you live in a “no-fault state” and are injured in an accident.
This type of insurance protects you from out-of-pocket expenses for damage caused by a driver who doesn’t have insurance, or whose insurance doesn’t fully cover repair costs. If you’re involved in an accident with an uninsured driver and your vehicle requires expensive repairs, you'll have to pay for them yourself if you don't have this coverage.
Comprehensive coverage protects you from damage not caused by a collision, like if an icy tree branch falls onto your car’s roof, smashing it and cracking the windshield.
This kind of coverage safeguards you from damage caused by a collision, no matter who was at fault. Example: You back into a telephone pole and crack your rear bumper.