Understanding Car Insurance Coverage

Determine Your Auto Coverage Needs

You've just bought a new car or are looking to change insurance companies, and you want to make sure you're getting the right car insurance coverage at a good price. But with many options available, it can be difficult to determine what you need. So let's start at the beginning – the coverage you need depends on your:

  • State's coverage requirements by law
  • Vehicle's age and condition
  • Lender’s requirements if leasing or financing
  • Financial situation and desired level of coverage
Considering these factors, your first step is to decide whether you need the basic protection of standard coverage or to extend your coverage to also protect your car.

Types of Car Insurance Coverage

Standard coverage starts at the minimum limits required by your state's laws and protects others and their property if you cause an accident. However, at this coverage level you're still responsible for repairing or replacing your car out of your own pocket, which may be acceptable to you if your car is older and of lesser value. Consider extending protection to your car with collision and comprehensive coverage if your car is newer and of higher value. Keep in mind that you may already be required to have extended coverage by your lender if you are leasing or financing your vehicle. The types of coverage we offer include:

Bodily Injury Liability
Covers injuries to others when you've caused an accident, including:

  • Medical Expenses
  • Legal Fees
  • Lost Income
  • Pain and Suffering
  • Funeral Costs
Property Damage
Repairs or replaces someone else's property you damaged in an accident, including:

  • Another Vehicle
  • Other Property (like a mailbox or a fence)
Medical Payments
Covers the initial medical treatment for you and your passengers, including:

  • Ambulance Transportation
  • Emergency Room Care
  • Hospital Stay
  • Other Accident-related expenses
Repairs or replaces your car when it's damaged in collisions with:

  • Another Car
  • Another Object (like a guardrail or a tree)
Repairs or replaces your car when it's damaged in an incident other than a collision, including:

  • Storms
  • Floods
  • Fires
  • Vandalism
  • Theft
Additional Options for Even More Value

Once you've decided on standard or extended protection for your car, you can choose from a range of added coverage options to fit your needs.

Deductible Fund Lowers and eventually eliminates your collision deductible.

Accident Forgiveness Your insurance rate won't change due to your first accident.1

Better Car Replacement Have your totaled car replaced with a newer model that has 15,000 fewer miles.2

New Car Replacement Get a brand new car if yours was under a year old and had less than 15,000 miles.3

Rental Car Reimbursement We'll cover the cost of a rental car until yours is fixed.4

Lifetime Repair Guarantee Use an approved facility and we'll guarantee the repairs for as long as you own your car.5

Teacher's Insurance Special features and discounts designed with educators in mind.

Ready for a quote?

Our easy quoting process asks for simple information and gives you an accurate quote in under 10 minutes. You can choose the coverage types and amounts that make sense to you depending on your individual needs. Also, if you're not ready to purchase, you can come back and complete your quote later.
2Optional coverage. Applies to a covered total loss. Deductible applies. Does not apply to leased vehicles or motorcycles and is not available in NC.
3Optional coverage in some states. Availability varies by state and eligibility rules apply.
4Coverage is provided on the Optional Transportation Expenses Coverage endorsement. Elected rental car coverage daily limits will apply. Damage must be a covered loss. May vary by state.
5The property damage must be covered by your policy. Guaranteed Repair Network not available in Rhode Island or Massachusetts. In Massachusetts we offer you our Superior Service Program, which is similar to the Guaranteed Repair Network, however, the estimate is completed by a Liberty Mutual appraiser. For more information, speak with your Liberty Mutual Claims Representative. Damage caused by normal wear and tear, improper maintenance, or unreasonable use is not covered. We will repair or replace any defective work of the Guaranteed Repair Network facility.
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