Types of coverage

Types of coverage

There are many different types of coverages available to meet your auto insurance needs. Some 

are required and some are optional. Here are brief descriptions of the available coverages:

Liability                                                                               

Washington state requires liability coverage. This 

covers bodily injury and damage to property that you 

cause to others while using your car.

Emergency road service

This covers towing when your car breaks down.

Personal injury protection

This covers a limited amount of medical and hospital 

costs, income continuation, funeral expenses, and 

loss of services. Coverage limits are defined in the 

policy.

Car rental expense

If you have a claim that is covered under your auto 

policy, this coverage pays to rent a car. Be sure to 

check your policy for any limitations

Medical payments

This covers medical and funeral expenses (not all 

companies offer this coverage).

Death, dismemberment and loss 

of sight

This pays for death and certain injuries to people 

named in your policy due to an auto accident.

Uninsured/underinsured motorist 

bodily injury

This covers injuries an uninsured or underinsured 

driver causes to an insured person.

GAP coverageooooo

In the event your vehicle is a total loss, this pays the 

difference between the current market value of your 

auto and the amount you still owe the lender.

Uninsured/underinsured motorist

property damage

This covers property damage an uninsured or 

underinsured driver causes to your insured vehicle.

Custom equipment coverage

T

his covers direct and accidental loss to custom 

furnishings or equipment.

Many companies also offer other endorsements 

(additional coverage). Ask your insurance agent or 

broker about:

• Trailer/camper body coverage

• Snowmobile coverage

• Limited Mexico coverage

• Joint ownership coverage

• Auto loan/lease coverage

Collision coverage

This covers damage to your car that is caused by 

a collision.

Comprehensive coverage (other 

than collision)

This covers damage to your car -- except by collision. 

For example, this covers your car if a tree falls on it 

or someone vandalizes it.