What are the three primary types of auto insurance coverage?

The three primary types of auto insurance coverage are liability, collision, and comprehensive.

Liability coverage is essential as it protects the insured from financial loss in the event that they are responsible for causing an accident that results in injury or property damage to others. This coverage includes both bodily injury and property damage liability.

Collision coverage pays for damages to the insured’s vehicle resulting from a collision, regardless of who is at fault. This is particularly important because it helps car owners repair or replace their vehicles after accidents.

Comprehensive coverage offers protection against damages to the vehicle not involving a collision. This could include incidents like theft, vandalism, weather damage, or hitting an animal.

Together, these three types provide a foundational level of protection for vehicle owners, addressing both liability risks and damages to their own vehicles. The other options may include important coverages but do not represent the three primary categories.