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Coverage Options

Tailor Your Car Insurance to Fit Your Needs and Budget

A cracked windshield. A dented fender. Injuries that require medical care. Accidents can cause all kinds of damage—and we’ve got the types of coverage to help you get back on the road.

Watch our short videos to learn about Bodily Injury, Medical Payments and Property Damage Liability benefits. The videos explain these key coverage features in plain English.

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And here’s an overview of the different parts of car insurance and how each protects you. Keep in mind that some coverages are subject to a deductible, and availability varies by state.†† We’ll help you find the right coverage at the right price for you.

Collision

If you’re involved in a collision with another vehicle—or with an object such as a wall or tree—Collision coverage pays for the damage to your covered vehicle.

More on Collision coverage

Comprehensive

Think of Comprehensive as "other than Collision" coverage. It pays for damage to your covered vehicle caused by theft, vandalism, wind, fire and hail.

More on Comprehensive coverage

Medical Payments

This coverage helps pay for medical care, recovery, rehabilitation and other medical expenses if you or a family member is injured in an accident.

More on Medical Payments coverage

Bodily Injury Liability

If you cause an accident that injures or kills someone else, this liability insurance helps protect you against financial loss. It also pays your legal defense costs.

More on Bodily Injury Coverage

Property Damage Liability

This coverage pays for damage caused by your auto to other people’s property, such as damage to other vehicles, light poles and fences.

More on Property Damage coverage

Uninsured Motorist Bodily Injury

An estimated 1 in 7 motorists are uninsured. This coverage helps pay bodily injury or death expenses for you and any of your passengers if you're struck by an uninsured, underinsured or hit-and-run driver.

More on Uninsured Motorist Bodily Injury coverage

Uninsured Motorist Property Damage

If your vehicle is struck by an uninsured driver, a hit-and-run driver, or an insured driver whose Property Damage Liability limit is too low to cover the losses, this coverage helps pay for the damage.

More on Uninsured Motorist Property Damage coverage

Personal Injury Protection

Also known as “No-Fault” insurance, this coverage pays benefits for injuries resulting from a car accident, regardless of who was at fault.

More on Personal Injury coverage

Full Glass

If your window or windshield glass is broken, your Comprehensive coverage will pay for it – after you pay your Comprehensive deductible. With this optional coverage, we'll pay the full amount with no deductible.

More on Full Glass coverage

Towing and Labor

If you have Comprehensive coverage, you can also get this optional protection that pays for towing if your car is inoperable and for labor to get it up and running again.

More on Towing and Labor coverage

Rental Reimbursement

If your car becomes inoperable due to a covered loss, this optional benefit helps pay the cost of a rental car. It’s available only if you carry both Comprehensive and Collision coverage.

More on Rental Reimbursement

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