There are basically six different types of coverage(s). Some may be required by law. Others are optional. They are:

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• Bodily injury liability - for injuries the policyholder causes to someone else.

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• Medical payments or Personal Injury Protection (PIP) - for treatment of injuries to the driver and passengers of the policyholder’s car.

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• Property damage liability - for damage the policyholder causes to someone else’s property.

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• Collision - for damage to the policyholder’s car from a collision.

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• Comprehensive - for damage to the policyholder’s car not involving a collision with another car (including damage from fire, explosions, earthquakes, floods, and riots), and theft.

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• Uninsured motorists coverage - for costs resulting from an accident involving a hit-and-run driver or a driver who does not have insurance.

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• Under-insured motorists coverage - for costs resulting from an accident involving a hit-and-run driver or a driver who does not have enough insurance.

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• Full Tort - (pain and suffering) coverage allows a driver to sue for pain and suffering after a not-at-fault accident, regardless of the severity. The driver does not need to prove pain and suffering passed a certain threshold. Full tort insurance allows drivers to file a lawsuit claiming inconvenience and ongoing pain.

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• Limited Tort - No right to sue for “pain and suffering” unless the injuries suffered are considered a "serious injury". allows a driver to recover solely actual monetary losses after an accident: out-of-pocket medical costs, wage losses, property damage, or other related expenditures. Limited tort restricts drivers from pursuing further claims (lawsuits for pain and suffering, for instance).