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Coverage options

Understand the coverage you can ask about.

A plain-language overview of common auto insurance coverages. Definitions are general — actual terms, limits, and availability vary by provider and state.

Liability coverage

Helps pay for injuries or property damage you cause to others. Most states require minimum liability limits.

Collision coverage

Helps pay to repair or replace your vehicle after a collision, regardless of fault, subject to a deductible.

Comprehensive coverage

Covers non-collision losses such as theft, vandalism, fire, hail, flooding, or hitting an animal.

Uninsured / underinsured motorist

Protects you if you're hit by a driver with no insurance or not enough insurance.

Medical payments / PIP

Helps pay medical expenses for you and your passengers. PIP is required in some no-fault states.

Roadside assistance

Optional add-on that may cover towing, jump-starts, lockouts, and flat tire changes.

Rental reimbursement

Helps cover a rental car while your vehicle is being repaired after a covered claim.

SR-22 filing

A certificate some states require after certain violations. Licensed agents can explain whether it applies to you.

Choosing what's right for you

The right mix depends on your vehicle's value, your budget, your state's requirements, and any loan or lease terms. A licensed professional can walk you through available options — the final decision is always yours.

Call (833) 962-7139
Call (833) 962-7139