Coverage: At-fault repairs & medical care
Bodily Injury and Property Damage Liability coverage protects you if an accident is caused by you; Your insurance provider pays for the other driver’s medical bills (passengers’ bills also) and any damage as a result of the wreck. Your insurance provider even covers legal fees if you’re sued (rarely occurs, but it does happen).

Coverage: Not-at-fault medical care expenses
Uninsured/Underinsured Bodily Injury coverage protects you if you are in an accident caused by a driver who either has no insurance or not enough insurance. Your insurance provider pays for any damages you incur to include medical care expenses and lost wages.

Coverage: Any post-accident medical care expenses
This protection is if you are in an accident; Your insurance provider pays for any medical care you and your passengers receive. Your insurance provider also covers medical care if you are struck by a automobile while walking or riding a bicycle. In some states, you might also get Personal Injury Protection—it protects you the same way.

Coverage: Any post-accident repairs
Collision coverage protects you if you get hit by, or hit, another vehicle; Your insurance provider pays for your auto repairs. You pay your deductible to the repair shop after the accident, and Your insurance provider pays the remaining balance of the bill.

Coverage: Any other accident related repairs
Comprehensive coverage protects you if your auto is damaged other than a collision, such as fire, vandalism, hail or flood; Your insurance provider pays for repairs once you have paid your deductible. Your insurance provider also covers damage caused by hitting an animal and theft (if your auto gets stolen).

Coverage: Unpaid not-at-fault damage
Uninsured Motorist Property Damage insurance coverage protects you if you're in an accident caused by a driver who is not insured; Your insurance provider pays to repair damage to your vehicle once you have paid your deductible.

Coverage: Auto Breakdowns
Roadside Assistance insurance coverage protects you if your auto fails due to mechanical or electrical issues such as: dead battery, flat tire, lock-out or if you run out of gas. Your insurance provider pays for towing services or roadside assistance.

Coverage: Your auto loan
Loan/Lease Payoff insurance coverage, or gap insurance, protects you if your auto is ever declared a total loss; Your insurance provider pays up to 25 percent over the actual cash value towards the amount you owe your lender.

Coverage: Veterinarian bills
Enables you to get care for your dog or cat if it's injured in an accident; Your insurance provider pays for veterinarian bills. This feature is included with your Collision coverage.

Coverage: An auto rental
This insurance coverage protects you if your auto is being repaired as a result of a Comprehensive or Collision claim; Your insurance provider pays for up to 30 days of a rental.

Coverage: Auto Accessories

This insurance coverage protects you if accessories you add to your auto get damaged; Your insurance provider pays to repair or replace the accessory(s). Your insurance provider protects accessories like stereos, TV equipment, navigation systems, phones, custom grilles, spoilers and customized paint.