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What Type Is My Car Insurance?

type of car insurance

There are over 228 million people who are licensed to drive in the United States. 28 million are in California where it is required by law to have at least one type of car insurance.

Most people in California couldn’t even tell you what type of car insurance they have. They don’t even know what the different types of insurance are! It is so important to have a car accident lawyer that can simplify the complicated world of car insurance.

Our experienced motor vehicle crash lawyers will help evaluate and explain exactly what the insurance will cover. Here is a breakdown of the common types of insurance we see here:

Liability Coverage

Liability insurance covers injuries to another person or damage to their property due to an accident you caused. This does not protect your own injuries or your own property damage.

Collision/Comprehensive Coverage

This type of insurance covers vehicle repair and replacement costs even if you are at fault. It covers theft, damage from hail, fire, vandalism, or collision with an animal as well.

Uninsured/Underinsured Motorist

This type of insurance helps cover the cost of medical bills for you and your passengers. But when the driver at fault does not have enough or have any insurance at all, this will cover the rest.

For example, you get into an accident and incur $100,000 in medical bills. But the driver at fault has a $30000 insurance policy only. If you have Underinsured Motorist Coverage, then your own insurance will cover the rest of your medical bills.

Ride-Share Type of Car Insurance

This type of car insurance will cover gaps in Lyft and Uber’s insurance policies. It will offer you a more complete protection package for your situation. Please ask your insurance company to see what options they offer.

Gap Coverage

If you drive your car a lot (like in ride-sharing) then it will depreciate quicker. This insurance will cover you if your car is totaled. But the value will be less than what you still owe on the loan.

Medical Payments Type of Car Insurance

This type of insurance covers medical expenses due to a car accident including your deductible. This is especially important if you do not have health insurance. If possible, you should have enough insurance coverage to protect all of your assets. It includes your car, home, property, or anything else of value that could be exposed in an accident.

Read more of our car accident articles on our Medium page.

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