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Constitution offers several auto insurance policies. Most will cover you, your family, and anyone with permission to drive your vehicle.

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TYPES OF AUTO INSURANCE POLICIES

Liability Coverage: Liability insurance is legally required in many US states. This insurance covers the costs of any damage you cause to another driver’s car in an accident. It can also cover medical expenses for other drivers and passengers involved in car accidents in which you are at fault.

Collision Coverage: This coverage is not required in most states, but it’s still a good idea to have. Collision coverage will provide you with money to repair or replace your own vehicle in the event of an accident.

Comprehensive Coverage: A comprehensive car insurance policy will cover you in the event of damage to your vehicle outside of an on-road accident. This includes fires, floods, vandalism, natural disasters, flying rocks, objects thrown from other vehicles, and other unforeseeable events.

Medical Payment Coverage: Like the name suggests, this type of insurance covers medical payments, specifically for you and any passengers in your vehicle in the event of a car accident. It will also cover your medical expenses if you’re hurt while riding in someone else’s vehicle. This insurance also protects you if you’re hurt while running, walking, or biking.

Personal Injury Protection Coverage (PIP): This type of coverage is very similar to the medical payment coverage we just discussed, but it’s a bit more broad. Personal injury protection coverage will also reimburse you for any lost wages or other nonmedical costs that directly result from an auto accident. In the state of Texas it’s legally required for all car insurance policies to include PIP coverage, but the laws are different for every state

Uninsured/Underinsured Motorist Coverage: This type of car insurance coverage must be offered to you by all insurance companies. It protects you if you’re involved in an accident where the motorist at fault as no coverage, or lacks enough coverage to completely pay for your auto repair and medical expenses. It also covers you if you’re involved in a hit-and-run.

Towing and Labor Coverage: This optional car insurance policy covers any costs associated with towing your vehicle after an accident. It also covers roadside assistance like tire changes and jump starts.

Rental Reimbursement Coverage: This auto insurance coverage provides you with funds to rent a car in the event that yours is undriveable after an accident. It also covers rentals if your vehicle is stolen. Some policies also include coverage for taxi and ride-hailing services.