In most US states you’re required to carry at least Collision Liability Coverage that covers other people and property but not your own.
When financing a car the company usually requires the more expensive Comprehensive Coverage instead of only Collision Liability.
Virginia does have an annual uninsured motorist fee for now but that’s going away soon from what I know.
Do they use different terms for the coverage in different states?
In the places I’ve lived, you have to have what’s called liability insurance at a minimum, and that’s the one that covers other people’s property but not your own.
Around here, collision coverage is to reimburse you for damage to your own car/property in the event of an accident (collision with another vehicle), and comprehensive coverage is to handle some of the other non-collision damage (like from hail).
