Auto Insurance Coverage

Find Coverage that’s Right for You

This is one of the most basic types of car insurance coverage. By definition, Comprehensive coverage pays for non-collision damages to the insured vehicle and its equipment. Here are a few examples:

  • A thief breaks into your car.
  • Your windshield or window shatters or cracks.
  • Vandals damage your car.
  • A bird, deer or other animal strikes your car.
  • Your car is damaged in a fire or explosion.
  • An earthquake, tornado, hail, windstorm or other natural disaster causes damage to your car.
  • Something falls onto your car.

Whether these events damage all or part of your vehicle, Comprehensive coverage helps cover the cost of repairs.

Collision coverage works like Comprehensive coverage, but covers damage that is caused by a collision with a vehicle or other object. If you collide with another vehicle and your vehicle is damaged, Collision coverage will pay for the cost of repairs. Likewise, if you strike an object in the road or even a pole in a parking lot, Collision coverage will be used to help with the repairs.

You blow a tire. You run out of gas. Your battery dies.

When your journey stops due to an unexpected problem, Towing coverage, which includes Roadside Assistance, becomes your best friend. Whether you need to have your vehicle towed to a service station, your battery charged, a flat tire repaired or gas delivered to fill your tank, Towing coverage with Roadside Assistance will help get you back on the road.

Get more facts about Roadside Assistance in our Learning Center.

You had an accident. Now, your car is in the shop for repairs. Your auto insurance policy is covering the costs of getting your vehicle fixed. But, you still need a way to get around.

That’s where Rental Reimbursement coverage comes in.

If you need to rent a vehicle following an accident, your policy’s Rental Reimbursement coverage pays for the daily rental charges, up to a specified dollar amount that you select.

This coverage is optional, so you’ll only have the coverage if you specifically add it to your policy.

If you injure someone in an accident and are found at fault, Bodily Injury Liability coverage pays for the damages.

For example, if you hit another car head-on and the other driver suffers a broken arm or leg, Bodily Injury Liability coverage may cover the costs of a lawsuit, jury award or settlement if you are found liable for the accident. This coverage applies whether the accident causes:

  • Injury
  • Sickness
  • Death

In addition, Bodily Injury Liability coverage may also provide a legal defense if you injure someone in an accident and the person seeks damages through the courts. In some states, you are required to purchase a minimum amount of Bodily Injury Liability coverage. Ask your client service representative what is required in your state.

If you are found at fault in an accident and have caused damage to someone’s property, Property Damage Liability coverage may pay for the cost of repairs to the property. You might use this coverage if you:

  • Lose control and run into a neighbor’s house
  • Hit a parked vehicle
  • Slide on the ice and hit a mailbox

In some states you are required to purchase a minimum amount of Property Damage Liability coverage. Ask your client service representative what is required in your state.

It’s a worst-case scenario. You are injured in an accident and discover the other driver either doesn’t have car insurance or doesn’t have enough car insurance to cover your medical expenses. Uninsured and Underinsured Motorist coverage can help.

  • If you have Uninsured Motorist coverage, you may be compensated for injuries or damage to your vehicle caused by a driver without insurance.
  • If you have Underinsured Motorist coverage and the costs related to your injuries or damage to property are more than the other driver’s insurance will cover, it may help you fill the gap.

Uninsured and Underinsured Motorist coverage help ensure you are not left alone to manage costs from an accident for which you are not at fault. There may be different limits associated with these coverages. Consult your auto insurance policy for details.

Get more facts about Uninsured and Underinsured Motorist Coverage in our Learning Center.

If you are injured in an accident, medical costs can quickly mount. Whether your injuries require doctor visits, hospital stays, medications, treatments or other medical care, you want to know the costs of these medical expenses will be covered by your car insurance policy. There may be different limits associated with these coverages. Consult your auto insurance policy for details.

This coverage is your go-to if you, someone in your vehicle or a pedestrian is injured or dies in an accident. Personal Injury Protection (PIP) coverage may pay for:

  • Medical treatment
  • Lost wages
  • Funeral expenses

Some states require this insurance. Others place limits on the maximum amount of expenses that can be claimed under this coverage. For example, if a state limits claims to 80% of the costs of medical treatment, you will be responsible for covering the remaining 20% of the costs.

Your health insurance coverage may also influence whether you add PIP coverage to your auto insurance policy. Considering all these types of coverage together helps ensure that if you are in a serious accident you will have adequate coverage to pay for your medical or other expenses.

If you have an accident in a new car, your insurance coverage (after your deductible) may not cover the full cost of the initial loan you took out to buy the car. That’s where New Car Replacement coverage and Guaranteed Auto Protection (GAP) coverage come in. If you’re in an accident and your vehicle is determined to be a total loss:

  • New Car Replacement coverage lets you replace your vehicle with the same make and model at a total price of up to 110% of the Manufacturer’s Suggested Retail Price - within the first year of ownership or first 15,000 miles.
  • GAP coverage may pay the difference between the value of your vehicle and the amount of your loan. This coverage extends to 120% of your vehicle’s value. GAP coverage includes New Car Replacement coverage for the first year of ownership and then offers additional protection for the next two years.

These optional endorsements may be added to your insurance policy.

Get more facts about New Car Replacement and GAP Insurance Coverage in our Learning Center.