Automobile Insurance

15 Type of Coverage Do you have to buy this coverage? Medical Payments Coverage pays limited medical expenses for people injured in the car you are driving when you have an accident, whether or not you are at fault. You may be offered this coverage, but you can choose not to buy it. Physical Damage Coverage pays the cost of repairs or replacement of your car, minus your deductible. • Collision covers damage to your car from an accident with another car or a physical object. • Comprehensive covers damage to your car from events other than a collision, such as theft, fire, or vandalism. This coverage is required by lenders or leasing companies. Additional Kinds of Coverage • Towing and road service. • Rental reimbursement pays for car rental when your own car is being repaired after a covered accident. You can choose to buy these coverages. They are not required.