Liability Coverage
Covers the other driver's costs when you are at fault in an accident. Protects your finances from medical bills, vehicle repairs, and legal expenses.
- Bodily injury to other drivers and passengers
- Medical expenses for injured parties
- Property damage to other vehicles
- Legal defense costs if you are sued
- Court fees and settlement costs
- Lost wages of injured parties
- Damage to buildings, fences, and other property
- Pain and suffering compensation
- Protects your personal assets from lawsuits
- Required by law in most states
- Peace of mind while driving
- Coverage follows you, not just your vehicle
- Covers accidents caused by any authorized driver
You accidentally hit the car in front of you at a stoplight. Liability coverage pays for their vehicle repairs and any medical bills.
You run a red light and collide with another vehicle. Coverage handles their injuries, vehicle damage, and legal costs.
You lose control and crash into a storefront. Liability coverage pays for building repairs and any damaged inventory.
You cause an accident involving multiple cars. Coverage protects you from claims by all affected parties up to your policy limits.
Coverage is expressed as split limits (e.g., 50/100/50) representing bodily injury per person, bodily injury per accident, and property damage per accident in thousands of dollars.
Activates when you are legally responsible for causing an accident. Does not cover intentional damage or damage to your own vehicle.
Does not cover your own injuries or vehicle damage, damage caused during illegal activities, or professional/commercial use of your vehicle without proper coverage.
Collision Coverage
Pays for damage to your own car after a crash, no matter who caused it. Get your vehicle repaired or replaced quickly.
- Damage from collisions with other vehicles
- Single-vehicle accidents (hitting a tree, pole, etc.)
- Rollover accidents
- Hit-and-run incidents where the other driver flees
- Accidents with uninsured or underinsured drivers
- Pothole damage resulting in an accident
- Parking lot collisions and fender benders
- Vehicle repairs up to actual cash value
- Covers repairs regardless of who is at fault
- Protects your investment in your vehicle
- Fast claim processing gets you back on the road
- Choose your own repair shop or use approved network
- Gap coverage available for financed vehicles
Another driver merges into your lane and hits your car. Collision coverage repairs your vehicle while you pursue their insurance.
You slide on ice and hit a guardrail. Your collision coverage pays for body work and mechanical repairs minus your deductible.
Someone backs into your parked car and leaves without a note. Collision coverage handles the repairs without needing to find the other driver.
Your car is severely damaged in an accident and deemed a total loss. Coverage pays the actual cash value of your vehicle.
You choose a deductible amount (typically $250-$1,000) that you pay out of pocket before coverage kicks in. Higher deductibles mean lower premiums.
Coverage pays up to the actual cash value of your vehicle at the time of loss, minus depreciation. Optional replacement cost coverage is available for newer vehicles.
Does not cover mechanical breakdowns, wear and tear, or damage from weather events (that's comprehensive coverage). Also excludes rental cars unless you add rental coverage.
Roadside Help
Flat tire or dead battery? We get help to you fast, wherever you are. Available 24/7 nationwide coverage.
- Emergency towing to nearest repair facility
- Battery jump-start service
- Flat tire changes with your spare
- Fuel delivery when you run out of gas
- Lockout service if keys are locked inside
- Winching service if stuck in mud or snow
- 24/7 dispatch and assistance
- Multiple service calls per year covered
- Available anytime, anywhere in the USA
- Trusted network of professional service providers
- No out-of-pocket costs for covered services
- Fast response times, usually under 45 minutes
- Covers you in any vehicle you are driving
Your car won't start in a parking lot. A technician arrives within 45 minutes to jump-start your battery or replace it on the spot.
You hit road debris and get a flat tire. Roadside assistance comes to safely change your tire with your spare so you can continue your trip.
You miscalculate and run out of fuel on a rural road. Service delivers enough gas to get you to the nearest station.
You accidentally lock your keys inside your running vehicle. A locksmith arrives to safely unlock your car without damage.
Typically covers towing up to 25-100 miles per incident, depending on your plan. Extended towing distance options are available for an additional premium.
Most plans include 4-6 service calls per policy year. Each service type (towing, jump-start, etc.) counts as one call. Unlimited plans are available.
Does not cover off-road recovery from extreme terrain, commercial vehicle use, or services needed due to illegal activities. Some remote areas may have limited availability.
Custom Plans
Build a plan that fits your budget and your specific driving needs. Flexible coverage options tailored just for you.
- Comprehensive coverage for theft, vandalism, and weather
- Uninsured/underinsured motorist protection
- Personal injury protection (medical payments)
- Rental car reimbursement during repairs
- Gap insurance for financed vehicles
- Glass coverage with no deductible
- Custom equipment and aftermarket parts
- Usage-based insurance discounts
- Pay only for the coverage you actually need
- Adjust your plan as your life changes
- Bundle multiple vehicles for extra savings
- Safe driver discounts and loyalty rewards
- Flexible payment plans to fit your budget
Your teenager just got their license. We customize a plan with higher liability limits and add driver training discounts to keep premiums manageable.
You have three cars with different needs. We build individual coverage levels for each vehicle while bundling them for maximum savings.
You own a vintage vehicle that you only drive occasionally. We create agreed value coverage with limited mileage to protect your investment affordably.
You need insurance but have a tight budget. We design a state-minimum liability plan with optional add-ons you can include when ready.
Choose from dozens of coverage types and endorsements. Stack only the protections you want with limits that match your needs and assets.
Qualify for discounts based on driving history, vehicle safety features, bundling policies, annual mileage, profession, and more. Discounts can reduce premiums by 25-40%.
Update your coverage anytime life changes. Add or remove vehicles, adjust limits, change deductibles, or add drivers with simple online tools or a quick phone call.
