This is how it works in the states or at least in California which I am most familiar with. It’s divided into two parts: liability (damage payout to other party

This is how it works in the states or at least in California which I am most familiar with. It’s divided into two parts: liability (damage payout to other party if you are at fault) and comprehensive (damage to your vehicle where someone else’s is not at fault). If you get into an accident and are at fault, your insurance liability pays out to the 3rd party and your comprehensive coverage pays out to fix your stuff if you opted in. Only liability (property and medical) are required as that makes the other party whole if you’re at fault.