Automotive Coverage Options...Explained:
LIABILITY For: At-fault repairs & medical care
Bodily Injury and Property Damage Liability coverage protects you if you cause an accident; we pay for the other driver’s medical bills (passengers’ bills, too) and any damage. We even cover legal fees if you’re sued (rare, but it happens).
UNINSURED/UNDER-INSURED BODILY INJURY For: Not-at-fault medical care
Uninsured/Under-insured Motorist Bodily Injury coverage protects you if you're in an accident caused by a driver who either has no insurance or just not enough insurance. We pay for damages you incur, including medical expenses and lost wages.
PERSONAL INJURY PROTECTION For: Any post-accident medical care
This protects you if you’re in an accident; we pay for $10k less your chosen deductible of medical care you and your passengers receive when first treated within 14 days of the accident. We also cover medical care if you get hit by a car while you’re walking or riding a bicycle. You may wish to add MEDICAL PAYMENTS for an additional coverage amount and/or work-loss coverage for lost wages.
COLLISION For: Any post-accident repairs
Collision coverage protects you if you get hit by, or hit, another vehicle; we pay for your car repairs. You choose a deductible and pay this portion to the repair shop after an accident, and we pay the rest of the bill.
COMPREHENSIVE For: Any other repairs
Comprehensive coverage protects you if your car is damaged by something other than a collision, such as fire, vandalism, hail or flood; we pay for repairs (after you pay the deductible). We also cover damage caused by hitting an animal and theft (if your car gets stolen).
ROADSIDE ASSISTANCE For: Breakdowns/Lockouts
Roadside Assistance coverage protects you if your car breaks down due to mechanical or electrical issues like a dead battery, a flat tire, or a lock-out, or if you run out of gas. We pay for towing services or roadside help.
LOAN/LEASE PAYOFF For: Your car loan
Loan/Lease Payoff coverage, or gap insurance, protects you if your car is ever declared a total loss; we pay up to 25 percent over the actual cash value towards the amount you owe the lender.
PET INJURY For: Vet bills
This helps you get care for your dog or cat if it's hurt in an accident; we pay for vet bills. It's included with your Collision coverage.
RENTAL REIMBURSEMENT For: A car rental
This protects you if your car is being repaired as part of a Comprehensive or Collision claim; we pay for up to 30 days of a rental.
CUSTOM PARTS & EQUIPMENT VALUE For: Accessories
This protects you if items you add to your car get damaged; we pay to repair or replace them. We protect accessories like stereos and TV equipment, navigation systems, phones, custom grilles and spoilers, and custom paint.