Auto Insurance

Liability protection pays claims if you’re at fault for injuries or property damage.¹ This includes an accident where injuries to a person occur, or property damage from your car impacts someone else’s property, such as a car, mailbox, or fence on someone’s land.

Collision coverage pays for damages to your car if it impacts another vehicle or object, or if your car rolls over, no matter who was at fault.¹

Comprehensive coverage also pays for damages to your car caused by something other than a collision, such as theft, vandalism, fire, flood, and hail.

Medical payments coverage covers the costs of doctors, hospitals, and funeral expenses for you, members of your household, and/or your passengers, resulting from a covered accident, regardless of who was at fault. You’ll also be protected when you drive another person’s vehicle (with permission) or if a car hits you or a family member, as pedestrians. In some states, medical payments coverage is referred to as personal injury protection, and may pay for lost wages².

If you have an accident while driving a rental car, you’ll be covered for costs from the rental agency such as⁸:

• Rental income lost during repairs
• Claim handling expenses
• Decrease in market value of the rental (Not available in NC)
• Related expenses, such as towing and storage²

Uninsured motorists coverage pays the cost of damages and injuries resulting from being hit by an uninsured or hit-and-run driver. It also provides coverage if an uninsured driver strikes you or family members as pedestrians.¹

Underinsured motorists coverage will pay for damages that exceed the amount of coverage carried by an underinsured driver.²

• New car replacement: if you total your new car within one year of purchase or during the first 15,000 miles—whichever comes first—you can get it repaired or it will be replaced with a new car with no deduction for depreciation.³
• Major parts replacement: we’ll pay to replace certain major parts, such as tire, brakes and batteries, no matter what their wear-and-tear or depreciated value is at the time of the accident.⁴ (Not available in NC.)
• Glass repairs without a deductible: if your windshield is chipped or cracked, we’ll repair it and waive your deductible.
• Legal defense costs: If you’re sued, we’ll cover your legal fees. We’ll also reimburse you for up to $200 per day for lost wages if you attend a hearing or trial at our request.
• Lease or loan gap coverage: this ensures that your vehicle’s lease or loan is paid off if your vehicle is a total loss due to an accident, even if the amount exceeds the value of your vehicle. ¹