Car Insurance Coverages
From the basics to full coverage auto insurance
Getting protection here is easy: See exactly what’s recommended for you—no more and no less—with our car insurance estimator. You might just find that a package with every insurance coverage available (what some refer to as “full coverage insurance”) isn’t always the best option. Buy only what you need, save on insurance and feel confident.
Check your work
Turn on the Coverage Checker® tool during your quote (especially if you create a custom package) to highlight any areas where you might have too much or too little coverage.
Coverage for everyone on your policy
For: At-fault repairs & medical care
Bodily Injury and Property Damage Liability coverageprotects you if you cause an accident; we pay for the other driver’s medical bills (passengers’ bills, too) and any damage. We even cover legal fees if you’re sued (rare, but it happens).
UNINSURED/UNDERINSURED BODILY INJURY
For: Not-at-fault medical care
Uninsured/Underinsured Bodily Injury coverage protects you if you’re in an accident caused by a driver who either has no insurance or just not enough insurance. We pay for damages you incur, including medical expenses and lost wages.
Coverages specifically for your vehicle
For: Any post-accident repairs
Collision coverage protects you if you get hit by, or hit, another vehicle; we pay for your car repairs. You choose a deductible and pay this portion to the repair shop after an accident, and we pay the rest of the bill.
For: Any other repairs
Comprehensive coverage protects you if your car is damaged by something other than a collision, such as fire, vandalism, hail or flood; we pay for repairs (after you pay the deductible). We also cover damage caused by hitting an animal and theft (if your car gets stolen).
UNINSURED MOTORIST PROPERTY DAMAGE
For: Unpaid not-at-fault damage
Uninsured Motorist Property Damage coverage protects you if you’re in an accident caused by a driver who doesn’t have insurance; we pay to repair damage to your vehicle (after you pay the deductible).
Roadside Assistance coverage protects you if your car breaks down due to mechanical or electrical issues like a dead battery, a flat tire, or a lock-out, or if you run out of gas. We pay for towing services or roadside help.
For: Any post-accident medical care
This protects you if you’re in an accident; we pay for any medical care you and your passengers receive. We also cover medical care if you get hit by a car while you’re walking or riding a bicycle. In some states, you might also get Personal Injury Protection—it protects you the same way.
For: Your car loan
Loan/Lease Payoff coverage, or gap insurance, protects you if your car is ever declared a total loss; we pay up to 25 percent over the actual cash value towards the amount you owe the lender.
For: Vet bills
This helps you get care for your dog or cat if it’s hurt in an accident; we pay for vet bills. It’s included with your Collision coverage.
For: A car rental
This protects you if your car is being repaired as part of a Comprehensive or Collision claim; we pay for up to 30 days of a rental.
CUSTOM PARTS & EQUIPMENT VALUE
This protects you if items you add to your car get damaged; we pay to repair or replace them. We protect accessories like stereos and TV equipment, navigation systems, phones, custom grilles and spoilers, and custom paint.