Auto Insurance Coverage Details

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You might be looking to build your own personalized auto coverage plan, or maybe you would like to have a little more knowledge about a necessary part of car ownership. Regardless of the circumstances, we want you to be as educated as you can be. Below is a quick overview of various car insurance coverage types:

• Covers the cost of injury to others and damage to their property when you’re at fault
• Required by law in nearly all states

• Pays to repair or replace your own vehicle when you’re at fault
• Covers collisions with other vehicles, objects and animals

•  Covers damage to your car caused by things besides a collision
• Includes hail, wind, theft, fire, vandalism, animal damage and more    

•  Covers your losses caused by an uninsured or underinsured driver 
• Helps pay for damage to your car and bodily injury to you and your passengers 

•  Helps with the cost of medical care for you and your passengers resulting from injuries in an accident
• Provides this coverage no matter who’s at fault

•  Helps cover the cost of your rehabilitation and lost wages resulting from an accident
  Covers you no matter who’s at fault

•  Provides 24/7 roadside assistance if your car is disabled
• Helps pay for towing, tire changing, locksmith service and jumpstarts 

•  Covers the cost of a renting a car for up to 30 days while yours is repaired
• Arrangements and billing can be handled by our Carriers 

•  Helps protect drivers for rideshare companies like Uber and Lyft
• Provides coverage during periods not covered by company or personal insurance 

•  Provides a flat sum for transportation while your car is repaired
• Can be used for public transit, rentals, taxis and rideshare services   

•  Pays you a defined, agreed-upon value if your car is a total loss
• Popular option for owners of classic and collector cars 

•  Covers the cost to repair or replace aftermarket equipment like infotainment systems and custom wheels
• Available on any vehicle with collision and comprehensive coverage

•  Provides additional liability coverage — above the limits on your auto policy
• Helps protect your assets from lawsuits

•  Covers windshield and glass repair and replacement
• Low $100 deductible (the portion you pay yourself)

•  Offers $0 deductible on glass repair and replacement
• Pay nothing out of pocket

•  Covers the cost to replace spare parts you keep on hand, up to $750
• Popular choice for owners of classic and collector cars

•  Covers the cost of using factory-original parts in covered repairs
• Available on cars up to 10 years old

•  Covers the cost to replace your car with a new one of the same make and model
• Available when your car is totaled within the first two model years and 24,000 miles

•  We forgive one at-fault accident for every three years you drive without one
• Keeps your premium from going up because of just one accident