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Auto Insurance Terms: How to Choose Auto Insurance Coverage

Let Titan help you determine which type of auto insurance policy is right for you. We can help you understand how to choose the best car insurance coverage for your needs at a price you can afford.

Here are some common car insurance coverage options. To discuss your car insurance options, call a Titan agent at 1-800-TITAN-UP (1-800-848-2687).

Personal Injury Protection (PIP) (No-fault)

This coverage pays for the treatment of injuries to the driver and passengers of the policyholder's car. At its broadest, PIP can cover medical payments, lost wages and the cost of replacing services normally performed by someone injured in an auto accident. It may also cover funeral costs.

Bodily Injury Liability

This coverage applies to injuries that you cause to someone else.  It's very important to have enough liability insurance because if you're involved in a serious accident, you may be sued for a large sum of money. Definitely consider buying more than the state auto insurance coverage requirement minimum to protect your assets, such as your home and savings.

Property Damage Liability

This auto insurance coverage pays for damage you may cause to someone else's property. Usually, this means damage to someone else's car, but it also includes damage to lamp posts, telephone poles, fences, buildings or other structures your car hits.


This coverage reimburses you for loss due to theft or damage caused by something other than a collision with another car or object. Damage might be caused by fire, falling objects, earthquakes, windstorms, hail, floods, vandalism, or contact with animals such as birds or deer.

States do not require that you purchase collision or comprehensive coverage. But, if you have a car loan, your lender may insist you carry it until you repay your loan.


Collision coverage helps pay for damage to your vehicle if you hit another vehicle or object, another vehicle or object hits you, or your vehicle rolls over. Collision coverage can be a required part of your car insurance coverage if your vehicle is financed or leased.

Uninsured and Underinsured Motorist Coverage

Uninsured or underinsured motorist coverage may help pay for damages to your vehicle if it is damaged in an accident by an underinsured, uninsured or unidentified driver. Uninsured or underinsured motorist coverage also helps pay your medical costs and your passengers' medical costs if an accident caused by an uninsured or underinsured driver results in injury. This car insurance coverage may also pay for lost wages and other damages. Auto coverage varies from state to state and is required in some states.  

Additional Equipment

Another type of auto insurance that helps cover direct and accidental loss to custom equipment or features not installed by the manufacturer. Coverage is available only with comprehensive and collision coverage.

Towing and Labor Coverage

If your vehicle cannot be driven from the accident scene, this coverage will help pay for transporting it.

Rental Reimbursement or Loss of Use Coverage

This option helps pay for a rental car while your vehicle is being repaired due to a covered loss.

The provided information and safety suggestions were obtained from sources believed to be reliable and is intended for informational purposes only. Titan and its affiliates assume no liability in connection with providing it or your use of it. Your circumstances may not warrant or require some or all of the safety suggestions, and there may be additional available safety procedures that are not referenced on this webpage.

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©2018 THI Holdings (Delaware), Inc. & Affiliated Companies. All Rights Reserved. Home Office: Cleveland, OH 44122. California Producer License #0E86569.

Titan Insurance, design, superhero and Savings without the Sacrifice are service marks of THI Holdings (Delaware), Inc. Nationwide Insurance is a service mark of Nationwide Mutual Insurance Company. Price based on March 2010 analysis of available national data for liability-only policies. Subject to underwriting guidelines, review and approval.

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