Coverage Options
Each coverage option exists for a reason. Scroll to understand what each one protects, when it applies, and why it matters.
When an at-fault accident occurs, liability coverage pays for the other person's injuries and property damage. It's the foundation of any policy because it protects personal finances from claims made by others.
Required in most states. Limits are expressed as three numbers representing bodily injury per person, bodily injury per accident, and property damage.
A car collides with another vehicle or object. Collision coverage repairs or replaces the vehicle regardless of who caused the accident. The policyholder pays the deductible; the policy covers the rest up to the vehicle's value.
Especially valuable for newer vehicles where repair costs can quickly exceed what most drivers would want to pay out of pocket.
Theft. Vandalism. Hail. Falling branches. A deer crossing at the wrong moment. Comprehensive covers damage to a vehicle from events that aren't collisions. The unexpected incidents that no amount of careful driving can prevent.
Often required by lenders when financing or leasing a vehicle.
Not everyone carries adequate insurance. Some carry none at all. If an uninsured or underinsured driver causes an accident, this coverage steps in to pay for injuries and damages when the responsible party cannot.
Particularly important in states with high rates of uninsured drivers.
Accidents cause injuries. Medical payments coverage helps pay for treatment for the driver and passengers, regardless of who caused the accident. It works alongside health insurance to cover deductibles, copays, and gaps in coverage.
Coverage extends to the policyholder as a pedestrian or while riding in someone else's vehicle.
A flat tire on an empty road. A dead battery in a parking garage. Running out of gas between exits. Roadside assistance sends help when a vehicle stops working, covering towing, jump starts, lockout service, and emergency fuel delivery.
Often available for a few dollars per month and can save significant stress during unexpected breakdowns.
With each protection now clearly understood, the next step is building a policy that matches the specific situation. Get a personalized quote in minutes.
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