Car Insurance Coverage Options
With the rising cost of car repairs, medical bills and accidents, having the right auto coverage matters more than ever. Auto coverage helps protect you financially if you’re involved in a car accident or experience a covered loss, helping pay for damage to your vehicle, injuries to you or others, and other related expenses, depending on the coverages you choose.
Standard auto coverages
Auto insurance offers a set of core coverages that work together to protect you, your vehicle and the people around you. Together, these coverages help you stay protected and give you confidence every time you’re on the road. It is important to note that coverage requirements and availability may vary by state.
Collision
Collision coverage can help cover the value of the vehicle or repair costs if you're involved in an accident with another vehicle or stationary object.
Comprehensive
Comprehensive, or other-than-collision coverage, helps pay for damage to your vehicle that isn’t caused by a collision with a vehicle or stationary object, such as damage from an animal, vandalism or fire.
Liability
Liability coverage helps pay for damages related to someone else’s injuries or property damage, as well as legal fees, if you’re at fault for an accident.
Uninsured/Underinsured motorist
Uninsured/underinsured motorist coverage provides protection if you’re in an accident with a driver who either has no insurance or doesn't have enough insurance to pay for your injuries or property damage.
Personal injury protection
Personal injury protection (PIP) helps pay for medical bills and other related costs, such as lost wages or child care, for you and your passengers after an accident, regardless of who is at fault.
Medical payments
Medical payments (MP) coverage helps pay for medical expenses for you and your passengers resulting from injuries sustained in a car accident, regardless of who is at fault.
Additional auto insurance coverages
In addition to the standard coverages, you can choose from optional auto insurance coverages that help tailor your policy to your needs. These coverages aren’t required, but they can provide extra protection, added convenience and greater peace of mind based on how and where you drive.
Roadside assistance
If your covered vehicle becomes disabled, roadside assistance helps get you back on the road with services like towing, tire changes and jump starts.
Guaranteed asset protection (GAP) insurance
Gap insurance helps pay the difference between your car’s actual cash value and what you still owe on your loan or lease if your vehicle is totaled or stolen in a covered loss.
Rental car reimbursement
If your vehicle is in the shop after a covered loss, rental car reimbursement can help cover your rental car expenses or other transportation costs.
Glass
Auto glass coverage helps pay for the repair or replacement of damaged vehicle glass.
Ridesharing or delivery driving
Rideshare or delivery driving coverage helps protect drivers who use their personal vehicles for services like Uber, Lyft, DoorDash and Grubhub, where standard policies may have limitations or coverage exclusions.
Related coverages
Exploring additional coverages can help provide protection across different aspects of your life. Consider these coverages:
Customer service that earns loyalty
Empathy isn’t just a word – it’s woven into every interaction with our policyholders. Their stories are a testament to the trust and loyalty built over decades of compassionate service and support.
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