What does Car insurance cover?

Because of the unique features of each state, consult your policy or independent agent for a further explanation of your specific policy coverage selections, terms and conditions.

  • Bodily Injury to Others Liability – If you are responsible for an accident that results in someone else getting hurt, Bodily Injury coverage can pay medical expenses, loss of income, “pain and suffering” restitution, and legal fees and settlement and court-ordered damages to those injured or killed.
  • Property Damage Liability – If your car causes damage to another vehicle or property not belonging to you, Property Damage (PD) can help cover the repair or replacement of that vehicle as well as the utility pole, fence, building, or other property you damaged. It does not cover repairs to your car.
  • Personal Injury Protection and Medical Payments – These “first party” coverages, which vary by state, can pay reasonable and necessary medical and funeral expenses for you and your passengers injured in an accident, regardless of who is at fault.
  • Uninsured/Underinsured Motor Vehicle Coverage – If you are hit by a driver who is uninsured or has inadequate car insurance, or victim of a hit and run, this insurance can pay medical expenses, lost wages, compensation for your injuries and suffering, and other damages beyond any coverage available from the other driver. Coverage varies greatly by state, so ask your agent.
  • Collision Coverage – Simply stated, Collision insurance can help pay to fix your car after a covered accident with another vehicle or object.
  • Comprehensive Coverage – What about car damage not caused by a crash? Comprehensive insurance can help pay for auto damage from losses such as fire, theft, flood, wind, hail, lightning, vandalism or hitting an animal.
  • Optional Coverages – There are several additional coverages you can purchase to help defray the costs associated with an accident or covered loss:

Rental Reimbursement/Substitute Transportation – If you can’t drive your car after a covered loss, this endorsement can subsidize the cost of renting a car or using alternate transportation until your car is repaired.
Towing and Labor – This option can reimburse you for towing your car after a loss and storing it at repair facility until it can be fixed.
Original Equipment Manufactured Parts (OEM) – Your auto policy pays for replacement parts that are of the same kind and quality as those damaged. This option may provide new factory parts to replace certain items damaged in a covered loss.
Sound Receiving Equipment – Got a killer sound system, customized or specially installed for your car? This option may reimburse you for the value of the upgraded audio components in your car.

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