Car insurance coverages types

Car insurance is only as good as your car insurance coverages, add-on services, and policy management tools. We help make choosing, using, and accessing your policy simple. Check out our list of types of car insurance coverage to find what works best for you, then get a quote online or speak with one of our agents.

What are the different types of car insurance coverage?

No specific type of car insurance can prevent an accident, but they can help cover the medical bills and repair costs if you’re involved in an accident. The main options for car insurance include the following. Each of these car insurance coverage options is explained in more detail below.

  • Liability insurance
  • Uninsured/underinsured motorist insurance
  • Collision and comprehensive insurance
  • Medical payments and personal injury protection (PIP)

Elephant car insurance coverage options

Elephant offers all state-required car insurance coverage options and a few others to offer you even more protection. Depending on where you live, you may be required by state law to buy certain car insurance coverage options, including liability and uninsured motorist insurance.

Liability insurance  

The one time being the “responsible one” isn’t positive. Liability coverage can help cover bodily injury and property damage costs when you’re at fault.

Comprehensive and collision coverage  

The dynamic duo of car insurance. Comprehensive and collision insurance can save you from villains like weather damage, theft, or just plain crashing into something.

Uninsured/underinsured motorist insurance  

Be your own safety net. Uninsured/Underinsured Motorist coverage can help you when the at-fault driver doesn’t have enough or any insurance at all.

Medical payment coverage  

Discover medical payments coverage at Elephant Insurance. MedPay is an add-on car insurance coverage that can help with medical bills after an accident. Get MedPay coverage today from Elephant.

Personal injury protection  

Learn about PIP insurance at Elephant Insurance. Personal injury protection coverage, also known as no-fault insurance, helps cover medical expenses after an accident. Get a quote for Personal injury protection (PIP) insurance today!

Loan/lease payoff coverage  

Not too big, not too small—loan/lease payoff coverage is just right if you’re currently making payments on or leasing your car. Loan/lease payoff can be used to help pay off the remaining balance on your loan or lease if your car is stolen or totaled.

Rental reimbursement coverage  

When your car is being repaired, one less expense can be a relief. Rental Reimbursement insurance can help when you need a rental car after an accident.

Non-owner car insurance  

For those who occasionally drive cars that aren’t their own. This coverage can help cover the costs if you cause an accident while driving someone else’s car.

Custom parts and equipment coverage  

Sweet rims, dude. Make sure they’re covered in an accident, as well as other kinds of custom mods on your car.

Car insurance coverage add-ons

Elephant offers additional car insurance add-ons to broaden your protection from the unexpected. These types of car insurance add-ons offer convenience and value when you need it at an attractive price.

Realtime roadside assistance  

Help is on the way! Digitally track your roadside service provider from dispatch to arrival. Realtime roadside assistance can help with a tow, a jump, or other roadside help for covered emergencies, like a mechanical breakdown, a flat tire, or a lockout.

At-home mechanic services  

Our partner, YourMechanic, makes house calls! Book a certified mechanic to come to your home or office. Over 600 repair, maintenance, and diagnostic services are available.

Legal coverage  

The Legal Resources® Plan is available to help with many of the complicated legal situations that life can throw at you, including contesting a moving violation or creating a will.

Upgraded accident forgiveness coverage  

Upgraded accident forgiveness is the big brother of accident forgiveness. Standard accident forgiveness means waiting three years for an accident to be waived, our upgraded version means you can get covered right at the start of your policy.

Diminishing deductible coverage  

Sometimes called a “disappearing deductible” or a “vanishing deductible,” diminishing deductible can be added onto a vehicle’s collision deductible to lower the out-of-pocket costs in the event of an accident.

Pet injury coverage  

At Elephant, we care about our customers — and we also care about our customers’ cats and dogs. As a Herd member, if your cats and/or dogs are injured in a covered claim, you may have up to $1,000 of pet injury coverage at no cost to you.

Policy tools for your car insurance coverage

Elephant provides helpful tools to make managing your car insurance coverage easy. From filing a claim to scheduling payments, we have convenient car insurance coverage options for you.

Photo appraisal for claims  

Our photo appraisal makes the claims process a breeze. Just snap photos of the damage and let us do the rest.

Online account  

Easily manage your policy online, make payments and get ID cards.

Agent chat  

Access a licensed agent with our easy-to-use chat feature.


Find reliable car insurance coverage With Elephant Insurance

Elephant provides a wide selection of car insurance coverage and add-on services to ensure you have what you need. If you’re not sure which coverages are right for you, check out our Coverage Wizard for insights into most coverages. Join the Herd and get an online car insurance quote today!

Get Coverage Wizard insights

Types of car insurance discounts

Want to save even more on your car insurance coverage? We know that every dollar counts, so we offer a number of car insurance discounts to help you save money. Whether you have more than one vehicle or plan to bundle your homeowners and auto insurance policy, or you’re insuring a good student, we have a discount for you.

Car insurance discounts

Frequently asked questions about car insurance coverage

The following questions provide information about car insurance coverage.


Which type of car insurance is best?


Like many things, car insurance is not “one size fits all.” That’s why it’s important to know how it works. Here are some questions to consider when shopping for car insurance.

  • What car insurance coverages are required where I live?
  • What is the right amount of liability insurance to protect me and my assets?
  • Am I sufficiently covered?
  • Even if it’s not required in my state, should I get uninsured motorist coverage?
  • I’m financing my car- will I need comprehensive and collision insurance?
  • Are there additional auto insurance discounts I can get?
  • How much are my deductibles?
  • Am I covered if my car is stolen?

What is the most common type of car insurance?


The most common type of car insurance is liability coverage since most states require liability coverage. Liability helps pay for damages and medical bills to the other party if you’re at fault in an accident.

What other car insurance coverages should I add?


There are other car insurance coverages that, while they may not be required, are advisable to consider adding for additional protection and to avoid unexpected costs should you find your car damaged in an accident. Some of these include:

What car insurance discounts are available?


Elephant has lots of car insurance discounts available to help you save, including our multi-car discount, Work from Home Discount™, and early bird discount to name a few. Check out car insurance discounts to learn which of our discounts works best for you.

Which type of car insurance is required by law?


Car insurance requirements by state can vary. Most states have minimum requirements for liability coverage, but there are a number of other car insurance coverages that may be required by a state. Coverages that may be required include:

  • Liability insurance
  • Uninsured/underinsured motorist (UM/UIM) coverage
  • Personal injury protection (PIP)
  • Medical payments (MedPay)

Coverages that are not required by state law, but may be required by your lender or lease company include:

  • Comprehensive coverage
  • Collision coverage

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