Your car insurance coverage shouldn’t be a mystery. Knowing what your car insurance does and doesn’t cover is crucial information, and something you’ll want to know before you have to file a claim. Feeling a little foggy about what your insurance plan covers? No worries. Read on for a fuller understanding of your coverage.

What’s covered depends on your coverage

The first thing to do when trying to get a clearer picture of what your insurance policy covers is to identify what type of coverage you have. There are six main types of car insurance:

• Liability: Liability insurance protects you if you’re liable for the damage to another driver’s vehicle in an accident. This type of coverage is required in almost every state.
• Collision: Collision covers the repair or replacement of your vehicle no matter who is at fault in an accident. You’re required to have collision insurance if you lease or finance your vehicle.
• Comprehensive: Comprehensive insurance covers damage to your vehicle that was not caused by an accident. Examples include: rodent damage, fallen limb coverage, and more.
• Personal injury protection: This type of coverage pays for direct and indirect medical bills if you’re involved in an accident.
• Uninsured/underinsured motorist: Covers vehicle damage and medical bills after an accident with an uninsured/underinsured driver. This type of insurance is required in 20 states.
• Medical payments: This pays for any and all of your medical expenses after an accident.

While this may seem fairly straightforward, your coverage also depends on which car insurance company you choose.

Surprising things your car insurance covers

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