CORE COVERAGES FOR YOUR VEHICLE
Liability coverage includes both bodily injury and property damage liability coverage and is required in most states. This coverage provides compensation for injuries to others, and for the damage, your vehicle does to another person’s property if you cause an accident.
If you are found responsible for causing damages as a result of an accident, this coverage may pay up to the limit you select, and it can provide for a legal defense if you’re sued.
Uninsured/Underinsured Motorist Coverage
Uninsured/underinsured motorist coverage can help pay for damages and medical costs resulting from an accident caused by someone who has no insurance or inadequate insurance coverage. In some states, it may be offered as a combined coverage, while in other states it may be offered as two separate coverages (one for uninsured and another for underinsured motorists). Coverage can extend to you and your family members that live with you. As a pedestrian, if you are hit by an uninsured driver, you can be covered.
Collision coverage helps pay for damage to your vehicle if your car hits another car or object, gets hit by another car or if your vehicle rolls over. This coverage is generally required if your car is financed or leased.
Comprehensive coverage helps pay for damage to your vehicle that is not caused by a collision. For example, theft, vandalism, hitting a deer or other animal, storms, and certain natural disasters.
Medical Payments Coverage
Medical payments coverage protects you and passengers in your vehicle who may be injured in an accident, no matter who is at fault. It also protects you as a pedestrian.
Roadside assistance is coverage you can add to your car insurance policy to help when you find yourself stranded due to unexpected car trouble – like a dead car battery. This can happen when you’re at work, out running errands, or even when you’re at home.
Extended transportation expenses coverage can cover the cost of public transportation, such as bus, train, or car service. This coverage applies to insured vehicles that are involved in a covered comprehensive or collision loss. It can also apply when non-owned vehicles you drive are involved in a covered loss, such as a rental car you drive while on vacation. expenses while your vehicle is not safely drivable or is at a repair facility.
Gap insurance, also known as loan/lease insurance, can help protect you if your vehicle is financed or leased. If your vehicle is totaled (deemed a total loss), this coverage may pay the difference between the actual cash value of the vehicle and the unpaid balance of the auto loan or lease.
Rental reimbursement, also known as extended transportation expenses coverage, can help pay for a rental car if your car is damaged in a covered accident and is out of commission for more than 24 hours.
Roadside assistance is coverage you can add to your car policy to help when you find yourself stranded due to unexpected car trouble – like a dead car battery. These unexpected things can happen when you’re at work, out running errands, or even when you’re at home.
NEW CAR REPLACMENT
If you total your new car in the first five years, this coverage pays to replace it with a brand new car of the same make and model.
This coverage forgives one accident within a specified period, helping to protect your premium from increases due to isolated mishaps.
endorsement can help protect individuals who drive for transportation network companies. This endorsement to your auto insurance policy provides you coverage for when you turn on your ridesharing app, but ends when you connect with a passenger.