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Car Insurance Coverage

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From the basics to full coverage auto insurance

Getting protection here is easy: See exactly what's recommended for you, no more and no less. (A package with every insurance coverage available—what some refer to as "full coverage insurance"—isn't always the best option.) Buy only what you need, save money and feel confident.

Check your work

Turn on the Coverage Checker® tool during your quote (especially if you create a custom package) to highlight any areas where you might have too much or too little coverage.

Insurance coverages you might see in your package

Policy Coverages

Liability

For: At-fault repairs & medical care

Bodily Injury and Property Damage Liability coverage protects you if you cause an accident; we pay for the other driver’s medical bills (passengers’ bills, too) and any damage. We even cover legal fees if you’re sued (rare, but it happens).

Uninsured/Underinsured Bodily Injury

For: Not-at-fault medical care

Uninsured/Underinsured Bodily Injury coverage protects you if you're in an accident caused by a driver who either has no insurance or just not enough insurance. We pay for damages you incur, including medical expenses and lost wages.

Medical Payments

For: Any post-accident medical care

This protects you if you’re in an accident; we pay for any medical care you and your passengers receive. We also cover medical care if you get hit by a car while you’re walking or riding a bicycle. In some states, you might also get Personal Injury Protection—it protects you the same way.

Vehicle Coverages

Collision

For: Any post-accident repairs

Collision coverage protects you if you get hit by, or hit, another vehicle; we pay for your car repairs. You choose a deductible and pay this portion to the repair shop after an accident, and we pay the rest of the bill.

Comprehensive

For: Any other repairs

Comprehensive coverage protects you if your car is damaged by something other than a collision, such as fire, vandalism, hail or flood; we pay for repairs (after you pay the deductible). We also cover damage caused by hitting an animal and theft (if your car gets stolen).

Uninsured Motorist Property Damage

For: Unpaid not-at-fault damage

Uninsured Motorist Property Damage coverage protects you if you're in an accident caused by a driver who doesn't have insurance; we pay to repair damage to your vehicle (after you pay the deductible).

Roadside Assistance

For: Breakdowns

Roadside Assistance coverage protects you if your car breaks down due to mechanical or electrical issues like a dead battery, a flat tire, or a lock-out, or if you run out of gas. We pay for towing services or roadside help.

Loan/Lease Payoff

For: Your car loan

Loan/Lease Payoff coverage, or gap insurance, protects you if your car is ever declared a total loss; we pay up to 25 percent over the actual cash value towards the amount you owe the lender.

Pet Injury

For: Vet bills

This helps you get care for your dog or cat if it's hurt in an accident; we pay for vet bills. It's included with your Collision coverage.

Rental Reimbursement

For: A car rental

This protects you if your car is being repaired as part of a Comprehensive or Collision claim; we pay for up to 30 days of a rental.

Custom Parts & Equipment value

For: Accessories

This protects you if items you add to your car get damaged; we pay to repair or replace them. We protect accessories like stereos and TV equipment, navigation systems, phones, custom grilles and spoilers, and custom paint.

Keep in mind that coverages, limits and deductibles vary. You'll get more information when you quote. All coverages subject to policy terms and conditions.

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