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Car Insurance Coverage

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  • WHAT'S COVERED
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What's Covered

 

In just minutes, get a quote on auto insurance designed to help protect you and your car, as well as the people around you. Car insurance coverage can vary from state to state, so it’s important to know what’s included in your basic coverage, the policy limits and what, if anything, you may need to add.

Types of Car Insurance Coverage

Liability Coverage

Liability coverage includes both bodily injury and property damage liability coverage and is required in most states. Basically, if you cause an accident, hurt someone or damage someone's property, it can pay for covered damages and to defend you if a lawsuit results.

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Comprehensive Coverage

Comprehensive coverage helps pay for damage to your vehicle that is not caused by a collision. For example, theft, vandalism, hitting a deer or other animal, storms and certain natural disasters.

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Collision Coverage

Collision coverage helps pay for damage to your vehicle if your car hits another car or object, gets hit by another car or if your vehicle rolls over. This coverage is generally required if your car is financed or leased.

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Personal Injury Protection

Personal injury protection (PIP), also called no-fault insurance, is available in certain states. It pays medical expenses, and in some cases lost wages and other damages regardless of who is at fault in an accident.

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Uninsured/Underinsured Motorist Coverage

Uninsured/underinsured motorist coverage can help pay for damages and medical costs resulting from an accident caused by someone who has no insurance or inadequate insurance coverage.

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Medical Payments Coverage

Medical payments coverage helps pay for covered medical expenses for anyone injured while in your vehicle, regardless of who is at fault.

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Deductibles and Limits

Your car insurance deductible is the amount you'll pay out of pocket before your insurance kicks in. The lower the deductible, the less you'll pay out of pocket if an accident occurs. Selecting a higher deductible may lower your auto insurance premium.

Your car insurance coverage limits, also referred to as limit of liability, are the most your insurance will pay if you have a claim. Choosing a higher coverage amount provides you additional protection if an accident occurs.

The available coverage limits may vary by coverage type and state. It is important to choose limits that meet your needs.

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Additional Coverage

Loan/Lease Gap Insurance

Gap insurance – or loan/lease insurance – can help protect you if your vehicle is financed or leased. If your vehicle is totaled, this coverage may pay the difference between the actual cash value of the vehicle and the unpaid balance of the loan or lease.

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Rental Coverage

Rental reimbursement, or extended transportation expenses coverage, can pay for a rental car if your car is damaged in a covered accident and your car is out of commission for more than 24 hours.

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Roadside Assistance

With Roadside Assistance you can have peace of mind knowing that help is just a phone call away. And best of all - this service costs less than many independent services. Because we know that everyone is different, we offer two levels of coverage, depending on individual needs.

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New Car Replacement

Premier New Car Replacement® gives you the extra coverage you need. If you total your new car in the first five years, this coverage pays to replace it with a brand new car of the same make and model. Many insurers offer coverage for just the first two or three years.

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Accident Forgiveness

Many responsible drivers are concerned about the possible premium impact of an accident or violation down the road. The Responsible Driver package includes accident forgiveness and minor violation forgiveness —two extremely popular features.

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Ride Sharing

Available in Colorado and Illinois only, the Limited Ride Sharing coverage endorsement can help protect individuals who drive for transportation network companies. The endorsement provides auto coverage after drivers open a mobile ride sharing app, but before connecting with a passenger.

 

Umbrella Insurance

Umbrella Insurance

This coverage goes above and beyond your auto and home insurance policies to help protect you from unexpected events.

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Related Products

Jewelry and Valuable Items

Jewelry and Valuable Items

From jewelry to collectibles, you may have more valuables than you realize. And your home insurance policy may not provide the coverage you need.

Home Insurance

Home Insurance

Protect your home the way it protects you by choosing the property insurance coverage that meets your needs.

Boat and Yacht Insurance

Boat and Yacht Insurance

Knowing that you, your passengers and your vessel are protected can help you relax and enjoy your time on the water.

If You Bundle Your Policies, You Could Save Up to 13% on Your Car Insurance. See how.

Tools & Resources

Person speaking on phone to talk about how to lower car insurance costs

How to Lower Car Insurance Costs

No one likes to spend more money than necessary on car insurance. These five tips can help lower car insurance costs.

Couple talking with car insurance agent

5 Questions to Ask Your Car Insurance Rep

These five questions are important to ask a car insurance representative before deciding on a policy.

How to Drive Safely in Strong Wind and Rain

How to Drive Safely in Strong Wind and Rain

When driving in heavy rain or wind, be aware of your surroundings and take steps to help you arrive safely at your destination.

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The information on this site is general in nature. Any description of coverage is necessarily simplified. Whether a particular loss is covered depends on the specific facts and the provisions, exclusions and limits of the actual policy. Nothing on this site alters the terms or conditions of any of our policies. You should read the policy for a complete description of coverage. Coverage options, limits, discounts, deductibles and other features are subject to individuals meeting our underwriting criteria and state availability. Not all features available in all states. Discounts may not apply to all coverages and/or vehicles.

Insurance is underwritten by The Travelers Indemnity Company and its property casualty affiliates, One Tower Square, Hartford, CT 06183. In TX: Automobile insurance is offered by Travelers Texas MGA, Inc. and underwritten by Consumers County Mutual Insurance Company (CCM). CCM is not a Travelers Company. In CA: Travelers Commercial Insurance Company, One Tower Square, Hartford, CT 06183. Certificate of Authority # 6519, State of Domicile: Connecticut; The Standard Fire Insurance Company, One Tower Square, Hartford, CT 06183. Certificate of Authority # 3545, State of Domicile: Connecticut; and Travelers Property Casualty Insurance Company, One Tower Square, Hartford, CT 06183. Certificate of Authority # 6521; State of Domicile: Connecticut. In CA: Boat and Yacht insurance is underwritten by The Standard Fire Insurance Company, One Tower Square, Hartford, CT 06183, Certificate of Authority # 3545, State of Domicile: Connecticut. ©2021 The Travelers Indemnity Company.