Bodily Injury Liability
The policy pays when you or a family member are legally liable for causing bodily injury to another person. It also pays court defense costs.
Property Damage Liability
The policy pays when you or a family member are legally liable for causing damage to someone else's property. It also pays court defense costs.
Underinsured Motorists – Bodily Injury
The policy pays for injuries you or a family member receive from an uninsured or underinsured motorist.
Underinsured Motorists – Property Damage
The policy pays for damage to your property from an uninsured or underinsured motorist.
Personal Injury Protection (PIP)
The policy pays medical expenses, income loss, and benefits for extra expenses for you, members of your household, and guests in your car in case of accidental injury or death. You must have Liability coverage to purchase PIP.
Collision
The policy pays for damage to your car from collision or upset regardless of fault, subject to your deductible.
Comprehensive
The policy pays for damage to your car other than collision or upset, subject to your deductible. This includes fire, theft, vandalism, and glass breakage.
Towing and Labor
The policy pays for towing and labor when your car will not operate under its own power. Labor is covered only at the site of breakdown.
Rental Reimbursement
The policy pays for rental reimbursement when your vehicle is being repaired due to an event covered by your policy. The standard limit pays a maximum of $900 per occurrence for rental reimbursement. Higher limits of coverage are available. Coverage is available only on vehicles with Collision, Comprehensive, or Underinsured Property Damage coverage.
Auto Accidental Death
The policy pays your spouse (if a member of the same household) or your estate the limit of coverage purchased if you are fatally injured in an automobile accident. Coverage is available for the named insured and spouse ages 21 through 64.
Auto Loan Endorsement
Coverage is available for vehicles that are newer than three years old. This coverage protects you in case the unpaid balance of a loan exceeds the value of the vehicle at the time of loss. We will pay the balance of the loan if your vehicle can’t be repaired.
All coverages are subject to policy terms, conditions, and exclusions.
