Coverage Types and Protection

It generally pays covered injuries to others when you are legally responsible, up to your policy limits.

It generally pays for covered damage you cause to another person’s vehicle or property, subject to policy terms and limits.

Collision coverage generally helps repair or replace your insured vehicle after a covered collision, minus your deductible.

Comprehensive coverage generally addresses covered non-collision events such as theft, hail, fire, vandalism, or falling objects.

Uninsured motorist coverage can help with covered losses caused by an at-fault driver who has no applicable liability insurance, as defined by your policy and state law.

Underinsured motorist coverage may help when an at-fault driver’s available liability coverage is insufficient for covered losses.

PIP may pay certain medical expenses and other specified benefits after a crash regardless of fault, subject to jurisdiction and policy terms.

Medical payments coverage can help pay eligible medical costs for covered occupants after an auto accident, subject to limits and terms.

Gap coverage may help pay an eligible difference between a vehicle’s insured total-loss value and a qualifying loan or lease balance; exclusions and caps apply.

Coverage for a rental depends on your policy, the rental contract, and the reason for the rental. Rental reimbursement after a covered claim is different from coverage while driving a rental.

Optional roadside assistance may provide towing, jump starts, lockout service, or tire help within specified limits.

Comprehensive coverage may cover glass damage; deductibles and special glass rules depend on the policy and state.

Flood damage is often covered under comprehensive insurance, subject to policy terms and deductible.

Hail damage is commonly a comprehensive claim if that coverage was in force before the event.

Comprehensive coverage may pay for a covered vehicle theft, subject to the deductible and claim investigation.

Comprehensive coverage commonly addresses covered vandalism losses.

A collision with an animal is typically handled under comprehensive coverage, depending on policy wording.

Standard physical-damage claims often use actual cash value rather than the cost of a brand-new replacement. Ask about available new-car replacement endorsements.

A personal umbrella policy can provide additional liability protection above eligible underlying policies, subject to its terms and required underlying limits.