The different car insurance terms are all important elements of a car insurance policy that provide protection against unexpected costs and liabilities. Knowing what each one means can help you make sure your car insurance matches your needs, so you have the coverage you need when it counts. Looking into car insurance is an important step to ensuring the safety of yourself and your vehicle on the road. Take time to understand these terms and select the right coverage for you!



A deductible is an amount of money you agree to pay before your scariest provider will cover a damage claim on your vehicle. When selecting a deductible level you should consider how much you could afford to pay out-of-pocket in case of an accident.


Comprehensive Coverage

Comprehensive car insurance is a type of car insurance that covers damage to your car caused by something other than an accident, such as theft or vandalism. Comprehensive coverage pays for repairs or the replacement of your car if it’s damaged by events like fire, hail storms, windstorms, and more.


Collision Coverage

Collision coverage pays for damage to your car in the event of an accident. It can pay for repair costs due to impact with another vehicle or object as long as you are not at fault in the collision.


Bodily Injury Liability

Bodily injury liability car insurance covers medical bills and legal costs if you’re financially responsible for someone else’s injuries or death. This coverage pays for medical bills, lost wages, and funeral expenses if you’re found legally responsible for an accident that results in injury or death.


Property Damage Liability

Property damage liability car insurance covers damage to other people’s property when you are at fault in an accident. This can include fences, buildings, telephone poles and other items that may be damaged in a car crash.


Uninsured/Under-insured Motorist Coverage

Uninsured motorist car insurance provides financial protection if you’re hit by someone who does not have car insurance or does not have enough car insurance to cover the full cost of your damages.


By understanding these terms, drivers can be well informed when selecting a car insurance policy to best fit their needs. This will ensure they’re making wise decisions with their money while also providing necessary protection against unexpected costs or liabilities in case of an accident or other event. So don’t wait – look into car insurance today and get the coverage that best meets your needs!