One of the most important (and trickiest) parts of buying car insurance is deciding what types of coverage to get. Check out the number of ways an Esurance policy can help protect you and your car below — and let CoverageMyWay™ help you personalize your coverage options. Reliable car insurance coverages provide peace of mind coverage options for your policy Generally speaking, auto coverages break down into 3 distinct categories: liability, vehicle-based, and medical. While some are required and some are optional, all are extremely valuable protections that can help financially safeguard you. Here are the main types of auto insurance coverage you can choose. Medical coverages for drivers Medical coverages are designed to pay for the medical care of you and your passengers after an accident. Medical payments coverage Medical payments coverage, also known as medical and funeral services payments, can help cover accident-related medical expenses (including funeral expenses) for you, other drivers on your policy, and passengers. It can also offer coverage if you're struck by a car as a pedestrian or cyclist.