The basic types of coverage are liability, uninsured (and underinsured motorist), collision, comprehensive, medical payments (or PIP), roadside assistance (towing) and rental reimbursement. In order to have full coverage, you need all of these types of insurance. You should also try to get the highest limits for your liability, uninsured/underinsured and medical payments coverages that you can afford. Many insurance agents only recommend that you get the state mandated minimums. However, this is not enough coverage if you are involved in an accident with serious injuries.