Auto insurance pays for damages, injuries, and other losses that are covered under your policy. Depending on the type of coverage, your car insurance pays for your damages, another driver’s damages, or a passenger’s damages. The most common types of auto insurance are:
Liability
Protects you against certain liabilities to third parties as the result of an auto related accident.
Personal Injury Protection
May also be referred to as “Medical”, “No-Fault” or “Non Fault” which covers you for personal injuries and medical bills.
Collision and Comprehensive Coverage
Covers physical damage and theft to your specified vehicles.
Uninsured Motorist
Provides personal injury or vehicle damage protection against losses caused by uninsured or underinsured motorists.
Towing and Rental
Pays or reimburses you for a rental vehicle and towing expenses.
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Diminishing Deductible
Diminishing Deductible credits you with $50 off your collision deductible for every six months you are claim free for up to five years, or $500. This is a great way to reward our good drivers.
Electronic Lock and Key Replacement Deductible Waiver
Electronic Lock and Key Replacement Deductible Waiver pays to replace electronic keys or electronic remote controls if they are lost or stolen without applying a deductible.
Emergency Expenses
Emergency Expenses pays for emergency transportation, meals and lodging in the event of an accident away from home up to $200, or up to $1,000 if more than 25 miles from home. No deductible applies to this coverage.
Personal Property Coverage
Personal Property Coverage pays up to $1,000 for loss of items owned or used by you, or any family member, from your vehicle due to theft while away from your residence.
Waiver of Adjustment for Depreciation and Betterment
Waiver of Adjustment for Depreciation and Betterment pays for normal vehicle wear and tear on parts designed to wear out when the vehicle requires repairing after an accident. No deduction in payment will be made because of the physical condition of the car including depreciation and betterment.
Uninsured Motorists Property Damage Deductible Waiver
Uninsured Motorists Property Damage Deductible Waiver waives the deductible applied to repair damage caused to your vehicle by an uninsured driver.
World-Wide Coverage
World-Wide Coverage extends comprehensive and collision only (not liability coverage) for autos rented anywhere in the world, for up to 90 days, subject to the deductible.
Non-Owned Trailer Coverage
Non-Owned Trailer Coverage covers trailers you may rent or borrow for moving or hauling items, up to $3,000.
New Vehicle Replacement Coverage
New Vehicle Replacement Coverage pays you the full verifiable purchase price for your newly titled vehicles for the first year of ownership in the event of a total loss.
Loan/Lease
Loan/Lease pays total amount due on loans or leases for your vehicle in the event of a total loss. Also referred to as gap insurance
Audio, Visual, and Customized Equipment
Audio, Visual, and Customized Equipment covers permanently installed audio/visual equipment in your vehicle and customization at limits you select up to $5,000.
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