Although most states require liability insurance, mandated coverage is rarely enough to fully protect you. To help make you truly secure, we go beyond liability coverage with a broad range of options. To make driving more affordable, we offer discounts based on your driving record, auto usage, your safety equipment, and other factors.
Liability: Liability insurance covers property damages and bodily injury to others, up to your policy limits. It even pays for your legal defense if a suit is filed against you. In a world where large damage awards are commonplace, adequate liability insurance is essential.
Considering additional liability coverage? Check out our Umbrella Liability policies.
Optional Medical Coverage: Covers medical expenses which you and your passengers incur from an auto accident, including injuries caused by uninsured or hit-and-run drivers.
Optional Collision Coverage: Pays for damage to your car caused by a collision with another vehicle or object. You choose the level of coverage and the deductible. Choices include:
- Limited Collision: Pays for damage to your car, minus your deductible, if the other driver is substantially at fault, or if your car is properly parked and the other driver can’t be identified.
- Basic Collision: Pays for damage to your car, minus your deductible.
- Broad Form Collision: Pays for damage to your car, with your deductible waived if the other driver is at fault.
- Deductibles: You choose your deductible. But remember: While a lower premium can be attractive, it means a higher deductible.
Comprehensive: In addition to complete collision coverage, this option pays for full replacement of new cars stolen within six months of purchase.
Optional Towing and Labor Coverage: Pays for towing and repair work when your vehicle is disabled by an accident.
Electronic Equipment and Media Coverage
Customized Van and Pickup Insurance
Auto Rental Reimbursement Comprehensive
Limited Property-Damage Liability (Mini-Tort)
Note: This web page offers a brief description of coverages, services, and programs. Actual coverages and availability may vary by state. Options, credits, and discounts are not applicable in all states. For exact terms, conditions, exclusions and limitations of coverages, please refer to your policy or contact your local Agent. For additional information, please refer to our legal notices.
