What’s Covered
Medical expenses, lost wages, and legal defense costs if you injure another person in an at-fault accident.
What’s Excluded
Your own injuries, intentional harm.
Example Claim
You cause an accident that injures two other drivers. One driver has $40,000 in medical expenses, the other has $25,000. Your policy covers medical costs and legal defense up to the limits of your policy.
Tip: Higher limits protect your assets if medical bills exceed state minimum requirements.
What’s Covered
Repairs to another person’s vehicle or property you damage in an at-fault accident.
What’s Excluded
Damage to your own vehicle, intentional damage, business-use exclusions if not disclosed.
Example Claim
You accidentally rear-end a luxury SUV, causing $18,000 in repairs. Your policy pays for the repairs to the other driver’s vehicle up to the limits of your policy.
Insight: Damage from newer or luxury vehicles can quickly exceed state minimum coverage limits.
Optional Coverage — must be added to policy
What’s Covered
Covers repairs or the value of your vehicle after an at-fault collision.
What’s Excluded
Wear and tear, mechanical breakdown, non-collision events (handled under Comprehensive).
Example Claim
You slide on ice and hit a guardrail, causing $6,000 in damage to your car. Say you have a $500 collision deductible — you pay your deductible, and the insurer pays the value of your vehicle or repair costs.
Tip: Higher deductibles lower premiums but increase out-of-pocket costs in a claim.
Optional Coverage — must be added to policy
What’s Covered
Covers repairs or the value of your vehicle for non-collision losses (like theft, vandalism, hail, falling objects, fire, or animal impacts).
What’s Excluded
Wear and tear, mechanical failure, collision-related damage.
Example Claim
A severe hailstorm dents your hood and roof, causing $4,200 in damage. Say you have a $500 comprehensive deductible — you pay your deductible, and the insurer pays the value of your vehicle or repair costs.
Insight: Comprehensive claims are common for weather events and animal strikes.
What’s Covered
Medical bills, lost wages, and sometimes property damage if you’re hit by a driver with no or insufficient insurance.
What’s Excluded
Damage from adequately insured drivers, and hit-and-run claims without a police report (in some states) or when the at-fault driver cannot be found and you cannot confirm they are uninsured. In these cases, Collision Coverage may cover your vehicle repairs if you have Collision Coverage on your policy.
Example Claim
You are hit by a driver who has no insurance. Your medical expenses total $25,000. Your UM coverage pays for your injuries up to the limits of your policy.
Insight: About 1 in 8 drivers in the U.S. is uninsured — higher UM/UIM limits can protect against large losses.
Optional Coverage — must be added to policy
What’s Covered
Medical expenses for you and your passengers regardless of fault.
What’s Excluded
Wage loss, pain and suffering, injuries sustained while using the vehicle for business or racing.
Example Claim
A passenger in your car is injured in a collision and needs emergency care costing $2,500. MedPay covers their medical bills up to the limits of your policy, regardless of fault.
Tip: MedPay can help cover health insurance deductibles or out-of-pocket costs.
Optional Coverage — must be added to policy
What’s Covered
Towing, jump-starts, flat tire changes, fuel delivery, and lockout services.
What’s Excluded
Parts or fuel beyond covered amount, repairs once towed.
Example Claim
Your car breaks down 30 miles from home. Roadside Assistance reimburses the tow, typically up to $100, to the nearest repair shop.
Insight: Often an inexpensive add-on that can save hundreds in emergency situations.
Optional Coverage — must be added to policy
What’s Covered
Rental car expenses while your vehicle is being repaired after a covered claim.
What’s Excluded
Non-covered incidents (mechanical breakdown), rentals beyond daily or total limits.
Example Claim
Rental Coverage pays for your rental car expenses up to the daily and total limits of your policy.
Tip: Rental coverage is valuable if you rely on one vehicle for work or family transportation.
