Ultimately, the types of car insurance you need depend on your individual needs, budget, and level of risk tolerance. It’s a good idea to review your car insurance policy with your insurance agent and make sure you have the coverage you need.

Liability Insurance covers the costs of damage or injury you cause to others while driving. It typically includes both bodily injury and property damage liability. Bodily injury liability covers the medical expenses, lost wages, and other damages of other people injured in an accident that you caused. Property damage liability covers the cost of repairs or replacement of other people’s property that you damaged in an accident, such as a car or a fence.

Collision Insurance covers the cost of repairing or replacing your own car if it is damaged in a collision with another vehicle or object.

Comprehensive insurance is optional, but they can be a good idea if you want extra protection for your own vehicle. If you have a newer or more expensive car, collision and comprehensive insurance can provide peace of mind and help cover the cost of repairs or replacement if your car is damaged or stolen.

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Gap insurance is only necessary if you have a loan or lease on your car and owe more than it’s worth. If you own your car outright or owe less than it’s worth, you probably don’t need gap insurance.

Uninsured/underinsured motorist insurance is optional, but it can be a good idea if you want extra protection in case you’re involved in an accident with a driver who doesn’t have enough insurance to cover the damages.

It’s important to note that the specific coverage and limits of each type of insurance can vary depending on the policy and the insurance provider. Be sure to review your policy carefully and ask your insurance agent any questions you may have.