Auto coverage explained
Coverage Built Around Your Drive
Each auto policy structure protects a different part of your driving life. Here is how the main options work, so you can decide what fits your vehicle and commute.
Primary policy categories
Three Core Protections
Most auto policies combine these categories. Review each one to see how it applies to your vehicle and driving habits.
Bodily Injury & Property Damage Liability
Liability coverage helps pay for injuries or property damage you may cause to others in an at-fault accident, up to your policy limits. Many states set minimum requirements.
Collision & Comprehensive
Collision coverage addresses damage to your vehicle from a crash. Comprehensive covers non-collision events such as theft, weather, and falling objects.
Uninsured Motorist Protection
Uninsured motorist coverage can help with injury costs when the at-fault driver has no insurance or not enough to cover your losses.
Consultative reviews
Talk Through Your Options by Phone
A phone review helps verify driver eligibility and align your policy with your commute and vehicle value. Call for guidance or request a quote to take the next step.