Auto insurance basics—understanding your coverage

Basic auto insurance covers liability for injuries and property damage you cause. States often require bodily injury and property damage liability, plus frequently medical payments, personal injury protection, and uninsured motorist coverage. Optional coverages include collision, comprehensive, and glass coverage, which protect your own vehicle. Gap insurance may be needed if you lease or finance your car. Personal policies cover family and permitted drivers but exclude commercial or ride-sharing use unless additional coverage is purchased.