Auto insurance

Standard Coverages:

These coverages help protect you, your passengers, or other people on the road in the event of an accident.

• Bodily injury liability

  If you cause an accident and someone is injured, this coverage can help pay their medical bills and loss of income.

• Property damage liability

  If you cause an accident, this coverage helps pay for damages to another person's vehicle or property.

• Personal injury protection

  Learn about PIP coverage and how it may keep you covered in the event of an accident.

• Uninsured motorist

  Helps protect you and your vehicle from uninsured drivers and hit-and-run accidents.

• Underinsured motorist

  Helps protect you from drivers who do not have enough insurance to cover the costs of an accident.

• Medical payments

  Also known as med pay, helps pay medical costs for you and your passengers in the event of a covered auto accident.

• Vehicle coverages

  These coverages help you with repairing any damage done to your vehicle or another driver’s, as well as providing additional resources if you can no longer use your own car.

• Collision

  Regardless of who’s at fault, collision can pay for damage to your vehicle if you hit another vehicle or object, another vehicle hits you, or your vehicle rolls over.

• Comprehensive

  Also known as “other than collision,” this coverage can help pay for damage to your vehicle from vandalism, theft, weather events and accidents involving animals.

• Towing and labor coverage

  This coverage can help when your car is stuck, broken down or inoperable due to an accident. (If collision coverage is not available.)

• Rental car expense

  This coverage provides access to a rental car or other transportation while your car is in the repair shop after a covered accident. Also known as loss of use or transportation expenses.

• Gap coverage

  If your car is a total loss after an accident, this coverage may pay the difference between the actual cash value and what you owe on the lease or loan.

Optional Coverages:

• Special auto coverages

  You may find these optional features beneficial to add onto your car insurance policy:

• Accident Forgiveness®

  Avoid a rate increase because of the first at-fault accident or minor violation on your policy.

• Roadside Assistance

  Get 24/7 emergency help if you need fuel, a tire change, a jump-start or a tow.

• Vanishing Deductible®

  Earn $100 off your deductible for each year of safe driving, up to $500. Your deductible could vanish completely.

• Total loss deductible waiver

  Have the physical damage deductible (comprehensive or collision) waived in the event of a total loss.