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Auto Insurance Basics

Auto insurance is required in nearly every state and provides financial protection if you are in a covered accident or if your vehicle is damaged by a covered cause. There are many options when it comes to crafting your auto coverage, speak with an agent to understand which choices make the most sense for you or go ahead and start a quote if you already know what you need.

What's Covered?

Bodily Injury Liability

Helps pay for the medical expenses of other drivers if your vehicle was involved in an accident and at fault.

Property Damage Liability

Covers the damage caused by you to others property, for example if you hit a car while driving to the store.

Comprehensive Coverage

Helps pay for damage to your vehicle from causes other than collision, such as theft, fire or natural disasters.

Collision Coverage

Covers the cost to fix or replace your vehicle if you hit something like another car or pole.

Medical Payments

Pays for the medical expenses of you and your passengers in the event of an accident.

Uninsured/Underinsured Motorist

Helps pay for medical and repair expenses if the other driver lacks the insurance to do so.

Rental Car Coverage*

Helps pay for a rental vehicle while your damaged vehicle is being repaired due to a covered loss.

Personal Injury Protection (PIP)

Known as no-fault insurance, helps cover medical expenses, lost wages and funeral costs after an accident regardless of who is at fault.

Rented Vehicles*

Varies by policy and carrier – some auto policies will extend coverage to vehicles you rent for personal use. If this is an important feature for you make sure you discuss with an agent to find an appropriate policy.

Gap Insurance*

If your vehicle is totaled, gap insurance will help cover the difference between what your car is worth and what you owe as a lessee.

*Typically offered as optional coverages

Keep in Mind

Not all auto insurance polices are created equal and there are so many options it can sometimes be overwhelming. We’re always here to help answer your questions but a few good points to keep in mind are:

  • Personal policies may deny coverage if a loss occurs while using the vehicle for business.
  • Having multiple auto policies in one household can potentially affect the way certain coverages apply.