What does "state minimum coverage" typically include?

State minimum coverage generally refers to the minimum amount of liability insurance that a driver is required to carry under state law to legally operate a vehicle. This minimum coverage typically includes bodily injury liability and property damage liability coverage.

Bodily injury liability helps pay for injuries that you, as the policyholder, might cause to other people in an accident, while property damage liability covers damage to another person's property resulting from an accident for which you are at fault. This type of coverage ensures that victims of accidents have some level of financial protection through the responsible driver's insurance.

The other options represent types of coverage that either go beyond what is required by state laws or do not encompass the primary focus of the minimum legal requirements for insurance. Comprehensive and collision coverage are optional and provide broader protection, while full coverage without deductibles is not a standard requirement. Uninsured motorist coverage, while important, is specific to situations involving drivers who do not carry insurance and may be legally required in some states but is not universally included in minimum liability coverage.