Liability Car Insurance

• The law only requires car owners to purchase bodily injury liability and property damage liability car policies to protect against injuries to people or damage to property that your car might cause. Full coverage bundles include both types of liability policies.
  
  

Collision

• The law does not require collision insurance, but lenders can require it for financed cars. If an auto loan contract requires full coverage, then collision insurance must be purchased, which will pay for your car in the event of an auto collision.
  
  

Comprehensive

• Lenders can require comprehensive insurance for financed cars, but the law does not. Comprehensive insurance pays for damage caused by some means other than an auto collision, such as a storm or fire, so if your loan contract requires full coverage, it means comprehensive insurance must be purchased.
  
  

Uninsured Motorist Property Damage

• Laws and lenders do not require uninsured motorist property damage insurance. This coverage, which pays for damage to your car caused by an uninsured driver, can be bundled into an insurance package that offers full coverage.
  
  

Uninsured Motorist Bodily Injury

• Uninsured motorist bodily injury insurance pays for your medical expenses for injuries caused by an uninsured driver. This type of policy can be bundled in a full coverage policy by an insurance company, but these policies have no lender or legal requirement.