- Bodily injury liability: For injuries the policyholder causes to someone else. This is required in most states.
- Property damage liability: For damage the policyholder causes to someone else's property (usually vehicles). This is required in most states.
- Medical payments or personal injury protection (PIP): For treatment of injuries to the driver and passengers of the policyholder's car. At its broadest, PIP can cover medical payments, lost wages, and the cost of replacing services normally performed by someone injured in the auto accident. This is required in some states, optional in others.
- Collision: For damage to the policyholder's car from a collision. The collision could be with another vehicle, a light post, a fire hydrant, etc. This is generally optional coverage.
- Comprehensive: For damage to the policyholder's car that doesn't involve a collision with another car. Covered risks may include fire, theft, vandalism, falling objects, explosion, earthquake, flood, and civil commotion. This is generally optional coverage.
- Uninsured motorist: For treatment of the policyholder's injuries that result from a collision with an uninsured driver. Underinsured motorist coverage can also be included in an auto policy. This coverage comes into play when an at-fault driver has liability insurance, but the limit of that insurance is insufficient to pay for your damages. This is required in some states, optional in others.