Types of Car Insurance

• Bodily injury liability coverage to protect you against financial loss if you hurt someone in an accident.
• Property damage liability coverage, which pays for damage that your car causes to property you don’t own.

Uninsured motorist coverage and underinsured motorist coverage help cover damages if you are hit by a driver who doesn’t have any or enough car insurance to cover the costs of damages and injuries. This insurance is split into three coverages:

 

Comprehensive insurance pays to repair damage to your car from things like:

 

Collision insurance helps cover the cost to repair or replace your car if you hit another vehicle or object, like a fence.

Medical payments coverage is an optional coverage that provides financial assistance for medical expenses and rehabilitation after an accident.²

Personal injury protection (PIP) insurance, also known as no-fault insurance, helps pay for losses related to injuries from a car accident, no matter who was at fault. In addition to medical bills, PIP also helps cover funeral costs or lost wages.

With full auto glass insurance, the cost of repairing your car’s headlights, mirrors and windows will be covered in full with no out-of-pocket costs to you. So, if a thief breaks in by smashing your car window and you have this coverage, you won’t have to pay any deductible to get it fixed.

Gap insurance can help pay the difference between your car’s actual cash value (ACV) and the amount you owe on your car loan if it’s stolen or totaled. If you have a leased or financed vehicle, gap insurance may be a coverage requirement from your lender.

Rental car reimbursement coverage pays for a rental car in the event of a covered comprehensive or collision loss. Also known as transportation expense coverage, it helps cover the costs to rent a replacement vehicle while your car gets repaired.

Rental companies usually offer rental car insurance in the form of a waiver that keeps you from being held financially responsible if there’s damage to the car or someone breaks into it. However, your existing car insurance may also cover damage to your rental car if you’re in a car accident. If you plan to rent a car, call your insurance company to be sure you’re covered.

The Hartford’s emergency roadside assistance service makes difficult situations less stressful when you’re out on the road, offering 24/7 assistance and a network of 40,000 towing and roadside services across the United States. This coverage helps pay towing and labor charges associated with getting your vehicle running again in the event of a breakdown. For example, if your car battery dies on the interstate, this coverage can help pay for the costs of having your car jump-started.