Uninsured/underinsured motorist
Covers YOUR INJURIES AND DAMAGES
Loan/lease payoff

Helps pay off your loan when your car is totaled

Medical payments

Covers your injuries

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AUTO INSURANCE

These can be two separate coverages: One that covers your injuries (bodily injury) and another that covers your vehicle's damages (property damage). Both kick in if a driver hits you and doesn't have insurance or enough to pay for your losses.

Example: Another driver runs a red light and hits you. They're at fault and don't have insurance. If they can't or refuse to pay for your damages, you can instead file a claim with us. We'll then pay for your repairs.

Pays for your rental car fees while your vehicle is being repaired from a covered loss (that just means damages we or another insurance company pays for and not general maintenance).

Example: Your car is severely damaged in an accident, and repairs will take a week, so you need a rental. If you have rental car reimbursement, we'll pay for your rental car fees (up to your limits).

Comprehensive and collision

Covers damage to your car

Liability (bodily injury and property damage)

Covers damages you cause to others

These are two separate auto insurance coverages. Comprehensive covers incidents out of your control: theft, vandalism, hitting an animal, fire, acts of nature, and glass damage. Collision covers car accidents.

Example (Comprehensive): You park your car outside during a major hailstorm, and it's totaled. If you have comprehensive, we'll pay out for the full value of your car (minus your deductible amount). Example (Collision): You back out of your garage, hit your basketball hoop, and cause $2,000 worth of damage to your vehicle. If you have collision, we'll then pay for your repairs (minus your deductible amount).

Loan/lease payoff is also called gap insurance. If your car is totaled, we'll help pay off the balance of your loan (up to 125% of your vehicle's current value).

Example: You finance $30,000 for a new car. The second you drive your new car off the lot, it could only be worth $25,000. If your car is totaled, you're still responsible for the $30,000 on the loan. If you have loan/lease payoff, we'll pay $25,000 for your car, plus the $5,000 left on your loan.

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If you're at fault in an auto accident, liability covers damages you cause. That could mean damage to other vehicles, property (mailbox, street sign, house, etc.), or even other drivers'/passengers' injuries. Plus, liability covers you if someone sues you over an accident.


Example: You rear-end another car, it's damaged, the other driver is severely injured, and sues you. We'll pay for the other driver's car repairs, injuries, and your costs from the lawsuit (up to the amounts you select). There's no deductible for liability.

Auto insurance coverages we offer

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Pays for medical costs if you, your passengers, or your family members are injured in a car accident (no matter who is driving). Medical payments coverage can be beneficial even if you have health insurance, as there is no deductible you have to meet before we pay out.

Example: Your newly licensed 16-year-old neighbor is driving your child to school, and they're in an accident. Your child is injured and has a $1,000 medical bill. Instead of filing a claim with your health insurer, you can file with us and we'll simply pay the bill (up to your limit). No deductible applies.

Accidents, glass damage, lawsuits, hail, and more—Our different carriers have affordable coverage options to protect against just about anything. Get a car insurance quote, and you can customize your coverages to your liking. Savings with safe coverages.

Keep in mind, coverage offerings can vary by insurance carrier and by state.*

Rental car reimbursement

Covers rental car fees