Car Insurance Coverage

Liability Coverage

Liability coverage includes both bodily injury and property damage liability coverage and is required in most states. This coverage provides compensation for injuries to others, and for the damage your vehicle does to another person’s property if you cause an accident.

If you are found responsible for causing damages as a result of an accident, this coverage may pay up to the limit you select, and it can provide for a legal defense if you’re sued.

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. In some states, it may be offered as a combined coverage, while in other states it may be offered as two separate coverages (one for uninsured and another for underinsured motorists).

Coverage can extend to you and your family members that live with you. As a pedestrian, if you are hit by an uninsured driver, you can be covered.

Uninsured/underinsured coverage is required in some states.

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.

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.

Personal Injury Protection (PIP Insurance)

PIP insurance, also known as “no-fault” insurance, is required 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.

Medical Payments Coverage

Medical payments coverage protects you and passengers in your vehicle who may be injured in an accident, no matter who is at fault. It also protects you as a pedestrian. Coverages vary by state.

Loan/Lease Gap Insurance

Gap insurance, also known as loan/lease insurance, can help protect you if your vehicle is financed or leased. If your vehicle is totaled (deemed a total loss), this coverage may pay the difference between the actual cash value of the vehicle and the unpaid balance of the auto loan or lease.

Rental Coverage

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

Roadside Assistance

Roadside assistance is coverage you can add to your car insurance policy to help when you find yourself stranded due to unexpected car trouble – like a dead car battery. These unexpected things can happen when you’re at work, out running errands, or even when you’re at home.

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.

Accident Forgiveness

Accident forgiveness is a feature of Travelers’ Responsible Driver Plan^SM. This feature forgives one accident within a specified period, helping to protect your premium from increases due to isolated mishaps.

Ride Share Coverage

Available in Colorado and Illinois only, this limited ride-sharing coverage endorsement can help protect individuals who drive for transportation network companies. This endorsement to your auto insurance policy provides you coverage for when you turn on your ridesharing app, but ends when you connect with a passenger.