If someone else drives without enough insurance (BOO!), Uninsured Motorist, or “UM” coverage, has your back. It pays for medical bills if a driver who hits you doesn’t have any or enough car insurance. Your UM limits are the highest amount of costs covered per person and per incident.
Collision coverage pays for repairs to your car if damage happens when it’s in motion—if someone hits you when you’re driving home from work, if you roll your car, etc. Comprehensive coverage (a.k.a. “Comp”) pays for repairs to your car if something happens to it when it’s just minding its own business. Theft, vandalism, hail, fire, those pesky tree limbs in a storm, animal strikes— Comp has your back in those situations.
Normal wear and tear to your car is also not covered. Plain old mechanical failure or road damage to your tires are just a normal part of getting older, unfortunately.
Your “deductible” is the amount you have to pay towards repairs when coverage kicks in. Let’s say you have a $500 deductible. If a tree falls on your car and the repairs cost $3,000, then you pay the first $500 and Noblr pays the remaining $2,500.
PS: If you pay a car loan or lease your car, then your lender/lessor most likely requires you to buy Collision & Comp coverage.