Auto Policy Coverage Information

Policy Level Coverages

UNINSURED AND UNDERINSURED MOTORIST COVERAGE (UM/UIM)
Provides additional coverage to you in the event you are involved in an accident with another driver who is underinsured or who has no insurance at all. This does include coverage from hit-and-run drivers.
ROADSIDE ASSISTANCE
Depending on the package, this includes towing, fuel delivery, lockout, jump starts, flat tires, membership discounts, trip interruption coverage, emergency messages and more.
RENTAL REIMBURSEMENT
Provides coverage for a rental car if you cannot drive your car due to a covered loss.
ACCIDENT FORGIVENESS
By purchasing this additional coverage, the policy rates won't increase if you're involved in an accident, even if the accident is your fault.
MINOR VIOLATION FORGIVENESS
If you receive a minor traffic citation, you’ll have the assurance that your rates won’t increase, just because of that violation.
DIMINISHING DEDUCTIBLE
You'll earn $100 off your deductible for each year of safe driving, up to $500 and your deductible could vanish completely.

Vehicle Level Coverages

LIABILITY COVERAGE
Insurance for what the policyholder is legally obligated to pay because of bodily injury or property damage caused to another person.
COMPREHENSIVE COVERAGE
Also called "Other Than Collision", the portion of an auto insurance policy that covers damage to the policyholder’s car not involving a collision with another car. This includes theft, vandalism, hail, fire, hitting a deer or damage from falling or flying objects.
COLLISION COVERAGE
Covers the damage to your car from a collision with another car or object.
MEDICAL PAYMENTS
A coverage in which the insurer agrees to reimburse the insured and others up to a certain limit for medical or funeral expenses as a result of bodily injury or death by accident. Payments are without regard to fault.