{"id":7004,"date":"2024-11-10T18:57:04","date_gmt":"2024-11-11T02:57:04","guid":{"rendered":"\/wp-site\/?p=7004"},"modified":"2025-11-20T15:15:29","modified_gmt":"2025-11-20T23:15:29","slug":"types-of-car-insurance","status":"publish","type":"car-insurance","link":"https:\/\/jerry.ai\/car-insurance\/types-of-car-insurance\/","title":{"rendered":"The 6 Main Types Of Car Insurance"},"content":{"rendered":"\n<p>The six main types of car insurance are <strong>liability, collision, comprehensive, uninsured motorist, personal injury protection and medical payments<\/strong>. Together, they keep you from paying <strong>thousands out of pocket<\/strong> when something goes wrong on the road.<\/p>\n\n\n\n<p class=\"wp-block-jerry-live-text-wrapper\">\n  \nJerry has helped over <span style=\"font-style:normal;font-weight:700;\" class=\"wp-block-jerry-live-text\">126,182<\/span> <strong>drivers <\/strong>get the right coverage this year, with policies that include the main types of car insurance. Here&#8217;s what each one does and whether you actually need it.\n<\/p>\n\n\n\n<figure class=\"wp-block-table hidden md:block\"><table class=\"has-fixed-layout\"><thead><tr><th><strong>Coverage type<\/strong><\/th><th><strong>What it covers<\/strong><\/th><th><strong>Do you need it?<\/strong><\/th><\/tr><\/thead><tbody><tr><td><a href=\"\/car-insurance\/what-is-liability-car-insurance-and-what-does-it-cover\/\">Liability<\/a><\/td><td>Others&#8217; medical bills and property damage when you&#8217;re at fault.<\/td><td>Required by law, except in New Hampshire.<\/td><\/tr><tr><td><a href=\"\/car-insurance\/collision-insurance\/\">Collision<\/a><\/td><td>Your car repairs after hitting another vehicle or object.<\/td><td>Required if financing\/leasing. Recommended for cars worth more than $5,000.<\/td><\/tr><tr><td><a href=\"\/car-insurance\/comprehensive-insurance\/\">Comprehensive<\/a><\/td><td>Damage to your car from theft, vandalism, weather and accidents with animals.<\/td><td>Required if financing\/leasing. Recommended for cars worth more than $5,000.<\/td><\/tr><tr><td><a href=\"\/car-insurance\/uninsured-motorist-coverage\/\">Uninsured\/underinsured motorist<\/a><\/td><td>Your costs when hit by uninsured or underinsured drivers.<\/td><td>Required in some states. Strongly recommended everywhere.<\/td><\/tr><tr><td><a href=\"\/car-insurance\/personal-injury-protection-insurance\/\">Personal injury protection<\/a> (PIP)<\/td><td>Medical bills, lost wages, childcare after an accident.<\/td><td>Required in no-fault states.<\/td><\/tr><tr><td><a href=\"\/car-insurance\/what-is-medical-payments-coverage\/\">Medical payments<\/a> (MedPay)<\/td><td>Medical expenses only after an accident.<\/td><td>Optional in most states, but may be worthwhile if you don\u2019t have health insurance.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n  <div\n    class=\"block md:hidden\"\n    data-wp-interactive=\"jerry\/blocks-core\/table\"\n    data-wp-init=\"callbacks.onCardCarouselInit\"\n  >\n    <div class=\"core-table-card-carousel scrollbar-width-none mx-full-bleed flex snap-x snap-mandatory scroll-pl-6 overflow-x-scroll scroll-smooth px-6\">\n      <div class=\"mx-auto flex gap-3\">\n                  <div class=\"core-table-card overflow-hidden w-72 snap-start rounded-lg border\"><!-- card title -->\n      <div class=\"line-clamp-1 px-3 py-3.5 font-circular text-base font-bold text-black\">\n      <a href=\"\/car-insurance\/what-is-liability-car-insurance-and-what-does-it-cover\/\">Liability<\/a>    <\/div>\n  \n  <!-- card content -->\n  <div class=\"relative grid grid-cols-2 font-circular text-sm [&amp;&gt;*:nth-child(4n+3)]:bg-zinc-50 [&amp;&gt;*:nth-child(4n+4)]:bg-zinc-50 before:bg-primary before:absolute before:h-[3px] before:w-full before:content-[&#039;_&#039;]\">\n                      <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n        <strong>What it covers<\/strong>      <\/div>\n      <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n        Others&#8217; medical bills and property damage when you&#8217;re at fault.      <\/div>\n                <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n        <strong>Do you need it?<\/strong>      <\/div>\n      <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n        Required by law, except in New Hampshire.      <\/div>\n      <\/div>\n<\/div>\n                      <div class=\"core-table-card overflow-hidden w-72 snap-start rounded-lg border\"><!-- card title -->\n      <div class=\"line-clamp-1 px-3 py-3.5 font-circular text-base font-bold text-black\">\n      <a href=\"\/car-insurance\/collision-insurance\/\">Collision<\/a>    <\/div>\n  \n  <!-- card content -->\n  <div class=\"relative grid grid-cols-2 font-circular text-sm [&amp;&gt;*:nth-child(4n+3)]:bg-zinc-50 [&amp;&gt;*:nth-child(4n+4)]:bg-zinc-50 before:bg-primary before:absolute before:h-[3px] before:w-full before:content-[&#039;_&#039;]\">\n                      <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n        <strong>What it covers<\/strong>      <\/div>\n      <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n        Your car repairs after hitting another vehicle or object.      <\/div>\n                <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n        <strong>Do you need it?<\/strong>      <\/div>\n      <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n        Required if financing\/leasing. Recommended for cars worth more than $5,000.      <\/div>\n      <\/div>\n<\/div>\n                      <div class=\"core-table-card overflow-hidden w-72 snap-start rounded-lg border\"><!-- card title -->\n      <div class=\"line-clamp-1 px-3 py-3.5 font-circular text-base font-bold text-black\">\n      <a href=\"\/car-insurance\/comprehensive-insurance\/\">Comprehensive<\/a>    <\/div>\n  \n  <!-- card content -->\n  <div class=\"relative grid grid-cols-2 font-circular text-sm [&amp;&gt;*:nth-child(4n+3)]:bg-zinc-50 [&amp;&gt;*:nth-child(4n+4)]:bg-zinc-50 before:bg-primary before:absolute before:h-[3px] before:w-full before:content-[&#039;_&#039;]\">\n                      <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n        <strong>What it covers<\/strong>      <\/div>\n      <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n        Damage to your car from theft, vandalism, weather and accidents with animals.      <\/div>\n                <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n        <strong>Do you need it?<\/strong>      <\/div>\n      <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n        Required if financing\/leasing. Recommended for cars worth more than $5,000.      <\/div>\n      <\/div>\n<\/div>\n                      <div class=\"core-table-card overflow-hidden w-72 snap-start rounded-lg border\"><!-- card title -->\n      <div class=\"line-clamp-1 px-3 py-3.5 font-circular text-base font-bold text-black\">\n      <a href=\"\/car-insurance\/uninsured-motorist-coverage\/\">Uninsured\/underinsured motorist<\/a>    <\/div>\n  \n  <!-- card content -->\n  <div class=\"relative grid grid-cols-2 font-circular text-sm [&amp;&gt;*:nth-child(4n+3)]:bg-zinc-50 [&amp;&gt;*:nth-child(4n+4)]:bg-zinc-50 before:bg-primary before:absolute before:h-[3px] before:w-full before:content-[&#039;_&#039;]\">\n                      <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n        <strong>What it covers<\/strong>      <\/div>\n      <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n        Your costs when hit by uninsured or underinsured drivers.      <\/div>\n                <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n        <strong>Do you need it?<\/strong>      <\/div>\n      <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n        Required in some states. Strongly recommended everywhere.      <\/div>\n      <\/div>\n<\/div>\n                      <div class=\"core-table-card overflow-hidden w-72 snap-start rounded-lg border\"><!-- card title -->\n      <div class=\"line-clamp-1 px-3 py-3.5 font-circular text-base font-bold text-black\">\n      <a href=\"\/car-insurance\/personal-injury-protection-insurance\/\">Personal injury protection<\/a> (PIP)    <\/div>\n  \n  <!-- card content -->\n  <div class=\"relative grid grid-cols-2 font-circular text-sm [&amp;&gt;*:nth-child(4n+3)]:bg-zinc-50 [&amp;&gt;*:nth-child(4n+4)]:bg-zinc-50 before:bg-primary before:absolute before:h-[3px] before:w-full before:content-[&#039;_&#039;]\">\n                      <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n        <strong>What it covers<\/strong>      <\/div>\n      <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n        Medical bills, lost wages, childcare after an accident.      <\/div>\n                <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n        <strong>Do you need it?<\/strong>      <\/div>\n      <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n        Required in no-fault states.      <\/div>\n      <\/div>\n<\/div>\n                      <div class=\"core-table-card overflow-hidden w-72 snap-start rounded-lg border\"><!-- card title -->\n      <div class=\"line-clamp-1 px-3 py-3.5 font-circular text-base font-bold text-black\">\n      <a href=\"\/car-insurance\/what-is-medical-payments-coverage\/\">Medical payments<\/a> (MedPay)    <\/div>\n  \n  <!-- card content -->\n  <div class=\"relative grid grid-cols-2 font-circular text-sm [&amp;&gt;*:nth-child(4n+3)]:bg-zinc-50 [&amp;&gt;*:nth-child(4n+4)]:bg-zinc-50 before:bg-primary before:absolute before:h-[3px] before:w-full before:content-[&#039;_&#039;]\">\n                      <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n        <strong>What it covers<\/strong>      <\/div>\n      <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n        Medical expenses only after an accident.      <\/div>\n                <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n        <strong>Do you need it?<\/strong>      <\/div>\n      <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n        Optional in most states, but may be worthwhile if you don\u2019t have health insurance.      <\/div>\n      <\/div>\n<\/div>\n                  <\/div>\n    <\/div>\n\n    <div class=\"core-table-card-carousel-indicator mt-3.5 flex flex-row items-center justify-center gap-1\">\n              <span class=\"rounded-full size-2.5 bg-zinc-200 data-[active=true]:bg-slate-400\"><\/span>\n              <span class=\"rounded-full size-2.5 bg-zinc-200 data-[active=true]:bg-slate-400\"><\/span>\n              <span class=\"rounded-full size-2.5 bg-zinc-200 data-[active=true]:bg-slate-400\"><\/span>\n              <span class=\"rounded-full size-2.5 bg-zinc-200 data-[active=true]:bg-slate-400\"><\/span>\n              <span class=\"rounded-full size-2.5 bg-zinc-200 data-[active=true]:bg-slate-400\"><\/span>\n              <span class=\"rounded-full size-2.5 bg-zinc-200 data-[active=true]:bg-slate-400\"><\/span>\n          <\/div>\n  <\/div>\n\n  \n\n<div class=\"max-md:mx-full-bleed wp-block-jerry-full-bleed\">\n  \n<div>\n<div class=\"wp-block-cover is-style-md-rounded-3xl has-aspect-ratio\" style=\"padding-right:var(--wp--preset--spacing--40);padding-left:var(--wp--preset--spacing--40);min-height:160px;aspect-ratio:5\/2;min-height:unset;\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" class=\"wp-block-cover__image-background wp-image-68258 size-full\" alt=\"\" src=\"https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/Honda1.png\" style=\"object-position:66% 77%\" data-object-fit=\"cover\" data-object-position=\"66% 77%\" srcset=\"https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/Honda1.png 1024w, https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/Honda1-300x300.png 300w, https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/Honda1-150x150.png 150w, https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/Honda1-768x768.png 768w, https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/Honda1-900x900.png 900w, https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/Honda1-400x400.png 400w, https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/Honda1-56x56.png 56w, https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/Honda1-250x250.png 250w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" fetchpriority=\"low\"\/><span aria-hidden=\"true\" class=\"wp-block-cover__background has-black-background-color has-background-dim-40 has-background-dim\"><\/span><div class=\"wp-block-cover__inner-container is-layout-flow wp-block-cover-is-layout-flow\">\n<p class=\"has-text-align-center has-white-color has-text-color has-link-color wp-elements-c861c09bfe2c0a1b0d66db8aa59bdf2e\" style=\"font-size:clamp(17.371px, 1.086rem + ((1vw - 3.2px) * 0.752), 27px);\"><strong>Jerry pulls up to 20 quotes from top rated carriers.<\/strong><\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-system-sans-serif-font-family has-medium-font-size has-custom-font-size wp-element-button\" href=\"\/signup\">Compare quotes<\/a><\/div>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">What you&#8217;ll pay for coverage<\/h2>\n\n\n\n<p class=\"wp-block-jerry-live-text-wrapper\">\n  \nFull coverage (liability + collision + comprehensive) typically costs between <span style=\"font-style:normal;font-weight:700;\" class=\"wp-block-jerry-live-text\">$185<\/span> <strong>to<\/strong> <span style=\"font-style:normal;font-weight:700;\" class=\"wp-block-jerry-live-text\">$419<\/span>. Individual coverages vary based on your <a href=\"\/car-insurance\/car-insurance-deductible\/\">deductible<\/a> and limits.\n<\/p>\n\n\n\n<div class=\"wp-block-group is-layout-grid wp-container-core-group-is-layout-478b6e6b wp-block-group-is-layout-grid\">\n<div class=\"wp-block-group has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:1.5rem;background-color:#f5f5f5;padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--40)\">\n<p style=\"font-size:clamp(15.747px, 0.984rem + ((1vw - 3.2px) * 0.645), 24px);line-height:1\"><strong>State minimum liability<\/strong><\/p>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-19e250f3 wp-block-group-is-layout-constrained\">\n<p class=\"wp-block-jerry-live-text-wrapper\">\n  \n<strong>Cost:<\/strong> <span class=\"wp-block-jerry-live-text has-small-font-size\">$79<\/span> &#8211; <span class=\"wp-block-jerry-live-text has-small-font-size\">$181<\/span> per month\n<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:1.5rem;background-color:#f5f5f5;padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--40)\">\n<p style=\"font-size:clamp(15.747px, 0.984rem + ((1vw - 3.2px) * 0.645), 24px);line-height:1\"><strong>Full coverage<\/strong><\/p>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-19e250f3 wp-block-group-is-layout-constrained\">\n<p class=\"wp-block-jerry-live-text-wrapper\">\n  \n<strong>Cost:<\/strong> <span class=\"wp-block-jerry-live-text has-small-font-size\">$185<\/span> &#8211; <span class=\"wp-block-jerry-live-text has-small-font-size\">$419<\/span> per month\n<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:1.5rem;background-color:#f5f5f5;padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--40)\">\n<p style=\"font-size:clamp(15.747px, 0.984rem + ((1vw - 3.2px) * 0.645), 24px);line-height:1\"><strong>Uninsured motorist coverage*<\/strong><\/p>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-19e250f3 wp-block-group-is-layout-constrained\">\n<p class=\"has-small-font-size\" style=\"line-height:1.4\"><strong>Cost: <\/strong>$29 per month<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:1.5rem;background-color:#f5f5f5;padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--40)\">\n<p style=\"font-size:clamp(15.747px, 0.984rem + ((1vw - 3.2px) * 0.645), 24px);line-height:1\"><strong>Personal injury protection*<\/strong><\/p>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-19e250f3 wp-block-group-is-layout-constrained\">\n<p class=\"has-small-font-size\" style=\"line-height:1.4\"><strong>Cost: <\/strong>$61 per month<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:1.5rem;background-color:#f5f5f5;padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--40)\">\n<p style=\"font-size:clamp(15.747px, 0.984rem + ((1vw - 3.2px) * 0.645), 24px);line-height:1\"><strong>MedPay*<\/strong><\/p>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-19e250f3 wp-block-group-is-layout-constrained\">\n<p class=\"has-small-font-size\" style=\"line-height:1.4\"><strong>Cost: <\/strong>$25 per month<\/p>\n<\/div>\n<\/div>\n\n\n\n<p><\/p>\n<\/div>\n\n\n\n<p class=\"has-small-font-size\">*<em><em>Represents the most competitive price Jerry users have found when adding this coverage to a liability-only policy.<\/em><\/em><\/p>\n\n\n\n<p class=\"has-small-font-size\"><em><em><em>Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.<\/em><\/em><\/em><\/p>\n\n\n\n<p>Your actual cost depends on where you live, your driving record and what you drive. Rates for the same coverage can <strong>vary by hundreds of dollars<\/strong> between insurers.<\/p>\n\n\n<div class=\"max-md:mx-full-bleed wp-block-jerry-full-bleed\">\n  \n<div>\n<div class=\"wp-block-jerry-highlight-point-paragraph flex flex-row items-center gap-2.5 rounded-lg p-6 has-gray-pink-background-color has-background\"><span class=\"iconify i--shield-thumb-up text-primary rotate-0 text-base mt-0.5 shrink-0 self-start\"><\/span><div class=\"jerry-block-content grow text-sm\">\n<p><strong>Key takeaway:<\/strong> Insurance companies price coverage differently\u2014even for&nbsp;<strong>identical policies<\/strong>. You can compare quotes on the Jerry app to find the coverage that\u2019s best for you.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Compare coverage options through Jerry<\/h2>\n\n\n\n<p>When you shop for <a href=\"\/car-insurance\/\">car insurance<\/a>, compare rates for different coverage types and add-ons to see how they affect your total price. Jerry shows you quotes from <strong>50+ carriers side-by-side<\/strong> so you can see exactly what each insurer charges for the coverage you need.<\/p>\n\n\n\n<p>If your rates go up at renewal, you can use the Jerry app to check what you&#8217;d pay with other carriers. You might find the same coverage for <strong>significantly less<\/strong>.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link wp-element-button\" href=\"\/signup\">Skip the hassle. Jerry finds competitive quotes in minutes.<\/a><\/div>\n<\/div>\n\n\n<div class=\"max-md:mx-full-bleed wp-block-jerry-full-bleed\">\n  \n<div><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Deep dive: Types of car insurance<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Liability insurance (Required by law)<\/h3>\n\n\n\n<p>Liability covers damage you cause to others in an accident. It has two parts:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"\/car-insurance\/bodily-injury-liability\/\"><strong>Bodily injury liability<\/strong><\/a><strong>:<\/strong> Pays for other people&#8217;s medical costs, lost wages and legal fees when you&#8217;re at fault.<\/li>\n\n\n\n<li><a href=\"\/car-insurance\/property-damage-liability-car-insurance\/\"><strong>Property damage liability<\/strong><\/a><strong>:<\/strong> Pays to fix or replace other people&#8217;s vehicles and property when you&#8217;re at fault.<\/li>\n<\/ul>\n\n\n<div class=\"max-md:mx-full-bleed wp-block-jerry-full-bleed\">\n  \n<div>\n<div class=\"wp-block-jerry-highlight-point-paragraph flex flex-row items-center gap-2.5 rounded-lg p-6 has-gray-pink-background-color has-background\"><span class=\"iconify i--shield-thumb-up text-primary rotate-0 text-base mt-0.5 shrink-0 self-start\"><\/span><div class=\"jerry-block-content grow text-sm\">\n<p><strong>Key takeaway:<\/strong> <strong>Nearly every state requires liability insurance.<\/strong> New Hampshire is the only exception.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<h4 class=\"wp-block-heading\">Understanding liability limits<\/h4>\n\n\n\n<p>Liability limits are typically written in the format of \u201c<strong>100\/300\/100\u201d<\/strong>. Here\u2019s what it means:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>$100,000 bodily injury liability, per person, <\/strong>or<strong> <\/strong>the maximum amount covered for one person\u2019s injuries.<\/li>\n\n\n\n<li><strong>$300,000 bodily injury, per accident, <\/strong>or the maximum amount covered for all injuries combined.<\/li>\n\n\n\n<li><strong>$100,000 property damage liability, per accident, <\/strong>or the maximum amount covered for property damage you cause in a crash.<\/li>\n<\/ul>\n\n\n<div class=\"max-md:mx-full-bleed wp-block-jerry-full-bleed\">\n  \n<div>\n<div class=\"wp-block-jerry-highlight-point-paragraph flex flex-row items-center gap-2.5 rounded-lg p-6 has-gray-pink-background-color has-background\"><span class=\"iconify i--plus text-primary rotate-0 text-base mt-0.5 shrink-0 self-start\"><\/span><div class=\"jerry-block-content grow text-sm\">\n<p><strong>Why it matters: <\/strong>State minimum coverage limits are often too low to cover the cost of a serious accident \u2014 the average severe crash costs over <strong>$160,000<\/strong>, according to the National Safety Council. Jerry recommends drivers to consider at least <strong>100\/300\/100<\/strong> in liability coverage to lower the risk of becoming financially responsible for costs that go beyond your policy limits.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator aligncenter has-alpha-channel-opacity is-style-separator-jerry-default-fw\"\/>\n\n\n\n<p><strong>Learn more: <\/strong><a href=\"\/car-insurance\/liability-insurance-vs-full-coverage\/\">Liability insurance vs. full coverage<\/a><\/p>\n\n\n\n<hr class=\"wp-block-separator aligncenter has-alpha-channel-opacity is-style-separator-jerry-default-fw\"\/>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-button-primary\"><a class=\"wp-block-button__link has-system-sans-serif-font-family has-medium-font-size has-custom-font-size wp-element-button\" href=\"\/signup\">Compare quotes with Jerry<\/a><\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Collision and comprehensive coverage<\/h3>\n\n\n\n<p>Collision and comprehensive coverage, when combined with liability insurance, make up <strong>&#8220;full coverage&#8221; insurance<\/strong>. Lenders require both if you&#8217;re financing or leasing your car.&nbsp;<\/p>\n\n\n\n<p>Here\u2019s what each covers:<\/p>\n\n\n\n<div class=\"wp-block-group is-vertical is-content-justification-stretch is-layout-flex wp-container-core-group-is-layout-2a24861a wp-block-group-is-layout-flex\" style=\"padding-top:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--40)\">\n<p class=\"has-background\" style=\"border-radius:1.5rem;background-color:#f5f5f5\"><strong><strong>Collision insurance<\/strong><\/strong>: <br>Pays to repair your car after hitting another vehicle or object, regardless of who&#8217;s at fault.<\/p>\n\n\n\n<p class=\"has-background\" style=\"border-radius:1.5rem;background-color:#f5f5f5\"><strong><strong>Comprehensive insurance<\/strong>:<\/strong><br>Pays for damage from everything except collisions, including theft, vandalism, weather events, animal strikes, fire and falling objects.<\/p>\n<\/div>\n\n\n\n<p>Both have <strong>deductibles<\/strong> (what you pay before insurance kicks in). Common deductibles are <strong>$250, $500, or $1,000<\/strong>. The higher your deductible, the lower your premium is.<\/p>\n\n\n<div class=\"max-md:mx-full-bleed wp-block-jerry-full-bleed\">\n  \n<div>\n<div class=\"wp-block-jerry-highlight-point-paragraph flex flex-row items-center gap-2.5 rounded-lg p-6 has-gray-pink-background-color has-background\"><span class=\"iconify i--shield-check-border text-primary rotate-0 text-base mt-0.5 shrink-0 self-start\"><\/span><div class=\"jerry-block-content grow text-sm\">\n<p><strong>Jerry recommends:<\/strong> If your car is worth&nbsp;<strong>more than $2,000\u2013$3,000<\/strong>, you should consider adding comprehensive and collision coverage to your policy.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator aligncenter has-alpha-channel-opacity is-style-separator-jerry-default-fw\"\/>\n\n\n\n<p><strong>Learn more: <\/strong><a href=\"\/car-insurance\/what-does-full-coverage-car-insurance-cover\/\">What does full coverage car insurance cover?<\/a><\/p>\n\n\n\n<hr class=\"wp-block-separator aligncenter has-alpha-channel-opacity is-style-separator-jerry-default-fw\"\/>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-button-primary\"><a class=\"wp-block-button__link has-system-sans-serif-font-family has-medium-font-size has-custom-font-size wp-element-button\" href=\"\/signup\">Compare quotes with Jerry<\/a><\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Uninsured\/underinsured motorist coverage<\/h3>\n\n\n\n<p>This protects you when you&#8217;re hit by someone who either has no insurance or doesn&#8217;t have enough to cover the damage they caused.<\/p>\n\n\n\n<p><strong>About 15% of drivers in the U.S. don&#8217;t have car insurance.<\/strong> That&#8217;s roughly <strong>1 in 7 drivers<\/strong> on the road with you.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Uninsured motorist (UM):<\/strong> Covers accidents with drivers who have no insurance.<\/li>\n\n\n\n<li><strong>Underinsured motorist (UIM):<\/strong> Covers accidents when the at-fault driver&#8217;s limits are too low to pay for your expenses.<\/li>\n<\/ul>\n\n\n<div class=\"max-md:mx-full-bleed wp-block-jerry-full-bleed\">\n  \n<div>\n<div class=\"wp-block-jerry-highlight-point-paragraph flex flex-row items-center gap-2.5 rounded-lg p-6 has-gray-pink-background-color has-background\"><span class=\"iconify i--shield-check-border text-primary rotate-0 text-base mt-0.5 shrink-0 self-start\"><\/span><div class=\"jerry-block-content grow text-sm\">\n<p><strong>Jerry recommends:<\/strong> Even if your state doesn&#8217;t require UM\/UIM coverage, <strong>Jerry recommends adding it. <\/strong>If you get into an accident, there&#8217;s a decent chance the person who hits you won&#8217;t have adequate coverage to pay your bills.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-button-primary\"><a class=\"wp-block-button__link has-system-sans-serif-font-family has-medium-font-size has-custom-font-size wp-element-button\" href=\"\/signup\">Compare quotes with Jerry<\/a><\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Personal injury protection (PIP)<\/h3>\n\n\n\n<p>PIP covers your medical expenses after an accident. It pays <strong>regardless of who caused the crash<\/strong>.<\/p>\n\n\n\n<p>Depending on your state, <strong>PIP also covers:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Lost income if you can&#8217;t work.<\/li>\n\n\n\n<li>Ambulance services.<\/li>\n\n\n\n<li>Childcare expenses while you recover.<\/li>\n\n\n\n<li>Funeral costs.<\/li>\n<\/ul>\n\n\n\n<p>PIP is required in <strong>12 <\/strong><a href=\"\/car-insurance\/no-fault-states\/\"><strong>no-fault states<\/strong><\/a><strong>:<\/strong> Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, and Utah.<\/p>\n\n\n<div class=\"max-md:mx-full-bleed wp-block-jerry-full-bleed\">\n  \n<div>\n<div class=\"wp-block-jerry-highlight-point-paragraph flex flex-row items-center gap-2.5 rounded-lg p-6 has-gray-pink-background-color has-background\"><span class=\"iconify i--shield-thumb-up text-primary rotate-0 text-base mt-0.5 shrink-0 self-start\"><\/span><div class=\"jerry-block-content grow text-sm\">\n<p><strong>Key takeaway:<\/strong> PIP is expensive in no-fault states because it pays out regardless of fault. If you live in Michigan or New Jersey (two of the <strong>most expensive states<\/strong> for car insurance), PIP is a big reason why.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-button-primary\"><a class=\"wp-block-button__link has-system-sans-serif-font-family has-medium-font-size has-custom-font-size wp-element-button\" href=\"\/signup\">Compare quotes with Jerry<\/a><\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Medical payments coverage (MedPay)<\/h3>\n\n\n\n<p>MedPay is similar to PIP, but it <strong>only pays for medical costs<\/strong>, nothing else.<\/p>\n\n\n\n<p>MedPay pays for you and your passengers after any accident, whether you&#8217;re at fault or not. It also pays if you&#8217;re hit as a pedestrian or injured in someone else&#8217;s vehicle.<\/p>\n\n\n<div class=\"max-md:mx-full-bleed wp-block-jerry-full-bleed\">\n  \n<div>\n<div class=\"wp-block-jerry-highlight-point-paragraph flex flex-row items-center gap-2.5 rounded-lg p-6 has-gray-pink-background-color has-background\"><span class=\"iconify i--shield-thumb-up text-primary rotate-0 text-base mt-0.5 shrink-0 self-start\"><\/span><div class=\"jerry-block-content grow text-sm\">\n<p><strong>Key takeaway:<\/strong> MedPay can <strong>cover your health insurance deductible<\/strong>. If you have a $3,000 health insurance deductible and $5,000 in MedPay, your car insurance covers that gap. Even with good health coverage, MedPay fills holes your health insurance won&#8217;t.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-button-primary\"><a class=\"wp-block-button__link has-system-sans-serif-font-family has-medium-font-size has-custom-font-size wp-element-button\" href=\"\/signup\">Compare quotes with Jerry<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Other coverage types worth knowing about<\/h2>\n\n\n\n<p>These aren&#8217;t part of the &#8220;six main types,&#8221; but you&#8217;ll see them when shopping for insurance.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"\/car-insurance\/gap-insurance\/\"><strong>Gap insurance<\/strong><\/a><strong>:<\/strong> Pays the difference between your car&#8217;s value and your loan balance if it&#8217;s totaled or stolen. <strong>Critical if you owe more than your car is worth<\/strong>.<\/li>\n\n\n\n<li><strong>New car replacement:<\/strong> Covers the cost of a brand new vehicle of the same make and model after a total loss (instead of your car&#8217;s depreciated value).<\/li>\n\n\n\n<li><strong>Rental car reimbursement:<\/strong> Pays for a rental while your car is being repaired after a covered loss.<\/li>\n\n\n\n<li><strong>Roadside assistance:<\/strong> Provides towing, jump-starts, flat tire changes, and locksmith services when you have comprehensive and collision coverage.<\/li>\n<\/ul>\n\n\n<div class=\"max-md:mx-full-bleed wp-block-jerry-full-bleed\">\n  \n<div>\n<div class=\"wp-block-jerry-highlight-point-paragraph flex flex-row items-center gap-2.5 rounded-lg p-6 has-gray-pink-background-color has-background\"><span class=\"iconify i--shield-thumb-up text-primary rotate-0 text-base mt-0.5 shrink-0 self-start\"><\/span><div class=\"jerry-block-content grow text-sm\">\n<p><strong>Key takeaway:<\/strong> &#8220;Full coverage&#8221; doesn&#8217;t include roadside assistance or rental reimbursement. Those are <strong>add-ons you pay extra for<\/strong>. If you assumed your full coverage policy included a rental car after an accident, check your policy to confirm you actually do have the coverage.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator aligncenter has-alpha-channel-opacity is-style-separator-jerry-default-fw\"\/>\n\n\n\n<p><strong>Learn more: <\/strong><a href=\"\/car-insurance\/car-insurance\/how-much-car-insurance-do-i-need\/\">How much car insurance do I need?<\/a><\/p>\n\n\n\n<hr class=\"wp-block-separator aligncenter has-alpha-channel-opacity is-style-separator-jerry-default-fw\"\/>\n\n\n<div class=\"max-md:mx-full-bleed wp-block-jerry-full-bleed\">\n  \n<div>\n<div class=\"wp-block-cover is-style-md-rounded-3xl has-aspect-ratio\" style=\"padding-right:var(--wp--preset--spacing--40);padding-left:var(--wp--preset--spacing--40);min-height:160px;aspect-ratio:5\/2;min-height:unset;\"><img loading=\"lazy\" decoding=\"async\" width=\"620\" height=\"414\" class=\"wp-block-cover__image-background wp-image-67864 size-full\" alt=\"\" src=\"https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/lifestyle3.png\" style=\"object-position:51% 71%\" data-object-fit=\"cover\" data-object-position=\"51% 71%\" srcset=\"https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/lifestyle3.png 620w, https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/lifestyle3-300x200.png 300w, https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/lifestyle3-400x267.png 400w, https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/lifestyle3-84x56.png 84w, https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/lifestyle3-374x250.png 374w\" sizes=\"auto, (max-width: 620px) 100vw, 620px\" fetchpriority=\"low\"\/><span aria-hidden=\"true\" class=\"wp-block-cover__background has-black-background-color has-background-dim-40 has-background-dim\"><\/span><div class=\"wp-block-cover__inner-container is-layout-flow wp-block-cover-is-layout-flow\">\n<p class=\"has-text-align-center has-white-color has-text-color has-link-color wp-elements-2adf0f3b3da763c637f1a27c4a8fb322\" style=\"font-size:clamp(17.371px, 1.086rem + ((1vw - 3.2px) * 0.752), 27px);\"><strong>It only takes 2 minutes to sign up at Jerry.<\/strong><\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-system-sans-serif-font-family has-medium-font-size has-custom-font-size wp-element-button\" href=\"\/signup\">Compare quotes<\/a><\/div>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"!mbs-12 !mbe-12 wp-block-jerry-faqs\">\n  <!-- Title -->\n    <h2 class=\"medium-title text-black mb-1.5 pt-12 uppercase\">\n    FAQ  <\/h2>\n  \n  <!-- Accordion -->\n  \n<div class=\"max-w-screen-lg my-6 [&amp;_li:last-child]:border-b-0\">\n<ul class=\"wp-block-jerry-accordion\">\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        \u2705 <strong>Is car insurance required by law?<\/strong>      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>Yes, in <strong>every state except New Hampshire<\/strong>. Most states require liability insurance at minimum. Some also require uninsured motorist coverage, PIP, or MedPay.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        \ud83d\ude97 <strong>What&#8217;s the difference between collision and comprehensive?<\/strong>      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p><strong>Collision<\/strong> covers damage from crashes with other vehicles or objects. <strong>Comprehensive<\/strong> covers non-collision damage like theft, vandalism, weather and hitting animals.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        \ud83d\udcb0<strong>Do I need full coverage if my car is paid off?<\/strong>      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>Depends on your car&#8217;s value and whether you can afford to replace it. If your car is worth <strong>$8,000<\/strong> and you don&#8217;t have $8,000 in savings, keep full coverage. If your car is worth <strong>$1,500<\/strong>, you\u2019ll likely save money by dropping it.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        \u26a0\ufe0f <strong>What happens if I don&#8217;t have enough liability coverage?<\/strong>      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>You&#8217;re <strong>personally responsible<\/strong> for costs that exceed your limits. That includes medical bills, legal fees, and property damage. This can mean <strong>tens or hundreds of thousands of dollars<\/strong> out of pocket after a bad crash.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        \ud83c\udfaf <strong>How much uninsured motorist coverage do I need?<\/strong>      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>Consider limits similar to your liability coverage. If you carry 100\/300\/100 liability, get the same for uninsured motorist coverage.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        \ud83d\udccb <strong>What&#8217;s the difference between PIP and MedPay?<\/strong>      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p><strong>PIP<\/strong> covers medical expenses <strong>plus<\/strong> lost wages, childcare, and other costs. <strong>MedPay<\/strong> only covers medical expenses. PIP costs more but provides broader coverage.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n<\/ul>\n<\/div>\n\n  <!-- Contact link -->\n  <\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.<\/p>\n\n\n\n<div class=\"wp-block-jerry-meet-experts\" data-wp-interactive=\"jerry\/meet-experts\" data-wp-context=\"{&quot;modalVisible&quot;:false}\">\n  <div class=\"font-circular text-2xl font-extrabold text-slate-900\">Expert-driven. Built for you.<\/div>\n\n  <div class=\"my-3\">\n    <div class=\"flex justify-between items-center py-3 border-b border-neutral-200 cursor-pointer font-semibold text-gray-900\" data-wp-on-async--click=\"actions.toggleModal\">\n  <button class=\"text-left text-base\" type=\"button\">\n    Why you can count on Jerry&#8217;s articles  <\/button>\n\n  <div class=\"transition data-[visible=true]:md:rotate-180 text-xs iconify i--chevron-down text-gray-500\" data-wp-bind--data-visible=\"context.modalVisible\"><\/div>\n<\/div>\n<div class=\"modal-backdrop fixed bottom-0 left-0 right-0 top-0 z-50 overflow-hidden overscroll-contain bg-black\/70 font-body transition-transform delay-100 duration-0 md:relative md:z-auto [&amp;:not([data-visible=true])]:translate-y-full [&amp;:not([data-visible=true])]:bg-black\/0 [&amp;:not([data-visible=true])]:md:hidden\" data-wp-init=\"callbacks.onModalInit\" data-wp-on-async--click=\"actions.hideModal\" data-wp-bind--data-visible=\"context.modalVisible\">\n  <div class=\"modal-view fixed bottom-0 left-0 right-0 flex max-h-[75%] w-full flex-col rounded-t-3xl bg-white pb-7 pl-7 pt-3.5 transition md:relative md:rounded-none md:pl-0 md:transition-none [&amp;:not([data-visible=true])]:translate-y-full [&amp;:not([data-visible=true])]:md:hidden\" data-wp-bind--data-visible=\"context.modalVisible\">\n    <div class=\"modal-header md:hidden flex justify-between items-center pb-1 mb-1 border-b border-zinc-200\">\n      <div class=\"modal-title text-base font-semibold\">Summary<\/div>\n\n      <div\n        class=\"modal-close-btn wp-block-group w-11 h-11 mr-2.5 content-center text-center\"\n        data-wp-on-async--click=\"actions.hideModal\"\n      >\n        <div class=\"iconify i--close text-gray-500 cursor-pointer\"><\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"modal-body pr-7 overflow-y-auto\"><div class=\"wp-block-template-part\"><div class=\"flex flex-row items-center gap-2.5 rounded-lg bg-gray-pink px-4 py-5\">\n  <span class=\"iconify mt-0.5 shrink-0 self-start text-xs text-primary i--shield-check\"><\/span>\n\n  <div>\n    <div class=\"font-body text-xs font-bold text-primary\">Our goal is clear, trustworthy information.<\/div>\n    <div class=\"mt-1 font-body text-xs text-gray-600\">\n      Our content is created, edited and fact checked by a team of licensed insurance agents, automotive pros and\n      experienced journalists who know the industry inside and out. Facts are thoroughly researched, verified and kept\n      current, and our editorial team is separate from our business partners, so our opinions &#038; tips are unbiased. All\n      insights drawn from Jerry\u2019s proprietary, aggregated customer auto insurance quotes data provide unique, real-world\n      guidance.\n    <\/div>\n  <\/div>\n<\/div>\n<\/div><\/div>\n  <\/div>\n<\/div>\n  <\/div>\n\n  <div class=\"text-base font-semibold text-gray-900\">Our experts<\/div>\n\n  <div class=\"my-8 flex flex-col gap-8 items-center justify-center\">\n          <div\n        class=\"meet-experts-item group relative flex h-auto w-full flex-none flex-col justify-between overflow-hidden rounded-3xl py-9 text-sm shadow-variant-card\"\n        data-expand=\"false\"\n        data-wp-init=\"callbacks.onItemInit\"\n      >\n        <div class=\"grid h-full w-full grid-cols-1 overflow-hidden px-8 md:grid-cols-4\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"250\" src=\"\/wp-content\/uploads\/2025\/02\/Ben-Moore.png\" class=\"size-16 rounded-full md:size-32 col-span-1 md:ml-4\" alt=\"meet-experts-thumbnail\" srcset=\"\/wp-content\/uploads\/2025\/02\/Ben-Moore.png 250w, \/wp-content\/uploads\/2025\/02\/Ben-Moore-150x150.png 150w, \/wp-content\/uploads\/2025\/02\/Ben-Moore-56x56.png 56w, \/wp-content\/uploads\/2025\/02\/Ben-Moore-120x120.png 120w\" sizes=\"auto, (max-width: 346px) 260px, (max-width: 576px) 432px, (max-width: 720px) 540px, (min-width: 720px) 250px, 100vw\" fetchpriority=\"low\"\/>\n          <div class=\"col-span-3\">\n            <div class=\"my-4 flex-1 content-center font-circular text-lg font-medium text-slate-900 md:mt-0\">\n              Ben Moore            <\/div>\n\n            \n            <div class=\"text-slate-500 mt-2 leading-6\">\n              <p>Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet&rsquo;s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.<\/p>\n<p>Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela&rsquo;s, H&amp;R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.<\/p>            <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"absolute hidden group-data-[expand=true]:flex bottom-0 w-full h-24 bg-gradient-to-t from-white from-30% to-transparent to-100% items-end justify-center\">\n          <div\n            class=\"flex cursor-pointer flex-row items-center gap-2 my-4 font-circular text-primary\"\n            data-wp-on-async--click=\"actions.onItemExpandClick\"\n          >\n            <span class=\"text-sm\">See more<\/span>\n            <span class=\"iconify i--chevron-down text-xs\"><\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n      <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>There are multiple types of car insurance coverage. This guide breaks down the most common coverage types to help you decide which is best for you and your vehicle.<\/p>\n","protected":false},"author":19,"featured_media":70102,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"wp-custom-template-single-car-insurance-beta","meta":{"jerry_authors":"[{\"id\":\"370\",\"type\":\"editor\"},{\"id\":\"374\",\"type\":\"reviewer\"}]","jerry_author_ids":[],"jerry_idx_page_label":"","jerry_meta_desc":"There are multiple types of car insurance coverage. This guide breaks down the most common coverage types to help you decide which is best for you and your vehicle.\r\n","jerry_related_posts":"[6079,5177,8888]","jerry_summary":"","inline_featured_image":false,"_lmt_disableupdate":"no","_lmt_disable":"","footnotes":"[]"},"categories":[],"tags":[31,136,140,196,663,244,255,262,304,378],"class_list":["post-7004","car-insurance","type-car-insurance","status-publish","has-post-thumbnail","hentry","tag-car-insurance","tag-collision-coverage","tag-comprehensive-coverage","tag-full-coverage-insurance","tag-highlight-home","tag-liability-coverage","tag-medical-payments","tag-medpay","tag-personal-injury-protection-pip","tag-uninsured-underinsured"],"_links":{"self":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/7004","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance"}],"about":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/types\/car-insurance"}],"author":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/users\/19"}],"replies":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/comments?post=7004"}],"version-history":[{"count":52,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/7004\/revisions"}],"predecessor-version":[{"id":71607,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/7004\/revisions\/71607"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/media\/70102"}],"wp:attachment":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/media?parent=7004"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/categories?post=7004"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/tags?post=7004"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}