How does car insurance work?
Car insurance works as a safeguard for your financial well-being in case of car accidents, theft, or other auto incidents beyond your control. Depending on your coverages, your car insurance company can help pay for vehicle repairs, medical expenses, and damages or injuries you cause others while driving. Keep in mind that basic car insurance doesn't cover maintenance or general wear and tear.
Auto insurance is required in nearly every state. Driving without insurance can result in a fine, license suspension, or even jail time. Progressive, like most other insurers, will make sure any policy you select meets your state's requirements.
Medical payments/Personal injury protection (PIP)
Uninsured/Underinsured motorist bodily injury (UM/UIM) and property damage (UMPD)
Facts from progressive site