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When you're shopping for auto insurance, you want to be adequately covered in case of an accident. After all, you're protecting your life and your investment, as well as the lives of those around you. So, here's a quick primer that outlines the basics of auto coverage :
Liability coverage is the most important 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. Learn more about liability coverage.
Collision coverage helps pay for damage to your vehicle if your car hits another car or object, is hit by another car, or your vehicle rolls over. This coverage is generally required if your car is financed or leased. Learn more about collision coverage.
Comprehensive coverage helps pay for damage to your vehicle that is not caused by a collision. Examples include theft, vandalism, hitting a deer or other animal, storms and certain natural disasters. Learn more about comprehensive coverage.
Medical payments coverage helps pay for covered medical expenses for anyone injured while in your vehicle, regardless of who is at fault. Learn more about medical payments 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. Learn more about uninsured/underinsured motorist coverage.
Personal injury protection (PIP), also called no-fault insurance is available in certain states and pays medical expenses, and in some cases lost wages and other damages regardless of who is at fault in an accident. Learn more about personal injury – no fault – insurance protection.
In addition to these basic coverages, you can choose from a host of optional coverages to create a customized auto policy that meets your individual needs.
Be confident in your insurance choices. Contact your agent or Travelers representative today. We'll work with you to develop an auto insurance policy that fits your needs and your budget.
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, features, deductibles and repair options are subject to availability and to individuals meeting our underwriting criteria. Not all features available in all areas.
Insurance is underwritten by The Travelers Indemnity Company and its property casualty affiliates, One Tower Square, Hartford, CT, 06183. For a complete list of personal insurance underwriting companies, click here.
Use our Auto Insurance Basics tool to help you understand common coverages and available options.Learn More »
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