Car Insurance

Liability

Pays for property damages and injuries you cause to others while driving. You’re also covered for court/attorney costs.

Example: You rear-end another car, causing damage to the vehicle and injuring the driver. We'll pay for, up to your policy’s limits, the other driver's car repairs and injuries, plus costs from any potential lawsuit. There’s no deductible for liability.

Comprehensive and collision

Comprehensive pays to repair or replace your car if it’s damaged from an incident out of your control: theft, vandalism, hitting an animal, fire, acts of nature, and glass damage. Collision covers damages to your vehicle if you’re in an accident, regardless of fault.

Comprehensive Example: Your car is totaled during a major hailstorm while parked outside. If you have comprehensive, we'll pay you the value of your car, minus your deductible.

Collision Example: You back out of your garage, hit your basketball hoop, and cause $2,000 worth of damage to your vehicle. With collision, we’ll pay to repair your vehicle, minus your deductible.

Uninsured/underinsured motorist

If you’re hit by a driver with no insurance or not enough insurance, uninsured/underinsured motorist (UI/UIM) bodily injury and property damage coverage can pay for your injuries and damages, up to your policy’s limits.

Example: An uninsured driver runs a red light and hits your vehicle. If they can’t cover the damages to your vehicle, your uninsured motorist property damage can pay for the repairs.

Medical payments

Pays for medical costs if you, your family members, or anyone in or around the accident are injured, regardless of fault.

Example: Your newly-licensed 16-year-old neighbor drives your child to school, and they're in an accident. Your child is injured and has a $1,000 medical bill. Medical payments will cover the bill, up to the limits of your policy. No deductible applies.

Rental car reimbursement

Pays for your rental car fees while your vehicle is being repaired from a covered loss.

Example: Your car is severely damaged in an accident, and repairs will take a week, so you need a rental. If you have rental car reimbursement, we'll pay for your rental car fees (up to your policy’s limits).

Loan/lease payoff

Also known as “gap insurance.” If your car is totaled, we'll help pay off the balance of your loan (up to 125% of your vehicle's current value).

Example: You finance $30,000 for a new car. The moment you drive off the lot, your new ride could only be worth $25,000. If your car is totaled, you're still responsible for the $30,000 on the loan. Loan/lease payoff makes up the difference.