Auto Insurance

You can’t drive legally without auto insurance, but what sort of coverage do you need? Collision or comprehensive?

Coverage Overview

Collision Damage

If your car is in an accident, collision insurance will pay to either fix or replace it. You're not legally required to have this type of coverage in any state, but if you lease or finance your vehicle, your lender may require it.

Rental Reimbursement

Rental reimbursement coverage helps you cover the costs of renting a car or taking public transportation if your car is being repaired after a covered insurance claim. It does not apply if your automobile needs only basic maintenance services or if you need to rent a vehicle while on holiday.

Personal Property

Your personal auto insurance policy covers damage to your vehicle in the event of a break-in. However, it does not cover items that are stolen from your vehicle. Those losses would fall under your homeowner or renter’s policy—subject to your deductible.

Uninsured or Underinsured Drivers

Uninsured motorist coverage protects you financially if you get into an accident with a driver who doesn't have any auto insurance. Underinsured motorist coverage, which is normally offered together with uninsured motorist coverage, safeguards you in the event that you're hit by a driver whose insurance can't cover the cost of damages or injuries they inflicted.

Towing and Roadside Assistance

Roadside assistance is a service that can help you when your vehicle breaks down. Most car insurance companies offer roadside assistance as optional coverage. This service can help arrange a tow, change a flat tire, jump-start a dead battery, and more.

Medical Expenses

Medical payment coverage can help with the bills that come after an accident, no matter who is at fault. This type of insurance typically covers hospital visits, surgery, X-rays, and other medical expenses.


Automobile insurance liability covers you if you're legally liable for injuries or property damage caused in a vehicle accident. As a consequence, rather than paying out of pocket to cover the medical expenses or to repair another person's vehicle, your insurance will pay for some or all of the injured person's costs.

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