What does car insurance cover?
Liability (bodily injury and property damage)
If you're found at fault after an accident, bodily injury liability will cover the injuries to the other party and their passengers.
Property damage liability will cover the cost to fix the other party's car / structure.
Uninsured and underinsured motorist liability coverage is designed to protect you, financially, from drivers with minimal or no coverage. It provides coverage if you're not at fault, but the other party doesn't have enough insurance to pay for the damages and injuries. According to the Insurance Research Council, about 15% of drivers are uninsured in California.
Comprehensive–covers 'everything but collision,' such as falling objects, vandalism, glass damage, and theft (if the car is stolen). You pay your deductible and the company will pay the rest.
Collision–if you're hit by, or you hit another car or object, this coverage will pay for the car repairs. You pay your deductible and the company will pay the rest.
Collision deductible waiver–if you're struck by an uninsured driver, a collision deductible waiver can pay your collision deductible.
Helps cover the medical care you and your passengers receive after an accident. It is an optional addition to your car insurance policy.
Rental car reimbursement
Pays for your rental car fees while your vehicle is being repaired from a covered loss. You need to have comprehensive and collision coverage to add this on.
Roadside assistance and towing
Covers tire changes, battery jump starts, and towing (up to a certain amount of miles).
Gap coverage pays the difference between what you owe on your car and what it's worth at the time of an accident. It comes into play if the car is a total loss. This is an optional coverage and sometimes added on in your lease agreement with the car company.