Auto Insurance
Auto Insurance is a contract between you and the insurance company that protects you against financial loss in the event of an accident or theft.

What Is Car Insurance?
Automobile insurance can shield you from the costs associated with collisions and other losses, such car theft. Your automobile insurance policy is a contract for which you pay your insurance provider a specified sum, or "premium," in exchange for the coverage options you choose.
What Does Car Insurance Cover?
In most states, liability insurance is typically needed. When you are found to be responsible for the accident, this coverage assists in paying for someone else's property damage or bodily harm. There are additional insurance policies that may assist in defraying the expense of harm to you or your vehicle. Talk to your insurance provider about the different policy options to acquire the most comprehensive protection for your particular needs.
Why Do I Need Car Insurance?
Accident victims may incur costs for things like auto repairs, property damage, medical bills, lost wages, and more. Without the necessary coverages, you can be forced to foot the payment by yourself.
Types of Car Insurance
Liability Coverage
Most states mandate liability coverage, which covers both bodily injury and property damage liability coverage. If you cause an accident, this coverage pays for any damages your car causes to someone else's property as well as any injuries to other people.
This coverage may pay up to the limit you choose if you are determined to be at fault for damage caused as a consequence of an accident, and it may also offer legal defense if you are sued.
Roadside Assistance
You can add roadside assistance to your auto insurance policy to provide aid if you become stranded due to unforeseen auto problems, such as a dead car battery. These unanticipated occurrences can occur while you're at work, out running errands, or even at home.
Loan/Lease Gap Insurance
If your car is financed or leased, gap insurance, commonly referred to as loan/lease insurance, may be able to assist protect you. This coverage can cover the difference between the actual cash value of your car and the outstanding balance of your auto loan or lease if it is totaled (declared a total loss).
Uninsured/Underinsured Motorist Coverage
Uninsured/underinsured motorist coverage can assist in covering damages and medical expenses incurred as a result of an accident that was caused by someone with insufficient or no insurance. It might be provided as two different coverages in some states, while it might be provided as a combined coverage in others (one for uninsured and another for underinsured motorists).
You and any family members who reside with you may be covered. If an uninsured driver strikes you as a pedestrian, you may be protected.
Some states require uninsured/underinsured motorist coverage.
Collision Coverage
If your car rolls over, collides with anything, is struck by another automobile, or is hit by an object, collision coverage can assist cover the cost of the damage to your car. If your car is financed or leased, this coverage is typically necessary.
Comprehensive Coverage
Your car may sustain damage that wasn't brought on by an accident with assistance from comprehensive coverage. For instance, robbery, vandalism, running over a deer or other animal, storms, and specific natural catastrophes.
Personal Injury Protection (PIP Insurance)
Some states mandate PIP insurance, sometimes referred to as "no-fault" insurance. Regardless of who was at responsibility for the accident, it covers medical costs, lost wages, and occasionally other damages.
Medical Payments Coverage
No matter who is at fault, medical costs coverage safeguards you and any passengers in your car against potential injuries. Additionally, it safeguards pedestrians. By state, coverage varies.
Rental Coverage
If your automobile is damaged in a covered accident and is rendered inoperable for longer than 24 hours, rental reimbursement, also known as extended transportation expenditures coverage, may be able to assist with the cost of a rental car.
New Car Replacement
You get the additional protection you require with Premier New Car Replacement. This coverage pays to replace your brand-new car with a brand-new vehicle of the same make and model if it is totaled within the first five years of ownership.
Accident Forgiveness
A part of Travelers' Responsible Driver PlanSM is accident forgiveness. This feature excuses one accident within a predetermined time frame, protecting your premium against increases brought on by sporadic accidents.
Ride Share Coverage
This restricted ride-sharing coverage endorsement, which is only available in Colorado and Illinois, can assist safeguard people who operate as drivers for transportation network firms. This add-on to your auto insurance policy gives you coverage up until the point that you connect with a passenger, but it only lasts as long as you have the ridesharing app open.
Named Non-Owner
Liability insurance for drivers without auto ownership is known as non-owner insurance. It may also comprise other coverages. This coverage could help to safeguard you and your passengers if you frequently drive but don't own a car. You ought to think about it if you:
Vehicle rentals are common. Use a company vehicle for both business and personal purposes. Take use of other people's readily available vehicles by borrowing them. Utilize car-sharing programs. Drive the car and provide care for someone you don't live with.