About Car Insurance Coverage Types

Collision coverage pays for damage to your vehicle when it collides with another vehicle or object (e.g., a tree, a guardrail).¹

Comprehensive coverage pays for damages to your vehicle from incidents other than a collision.¹

Customers with collision coverage pay extra premium to reduce their deductibles by $100 each year.⁴

We'll help you find an approved direct repair facility as a result of an accident.⁶

If your new car is totaled in the first year, you’ll get the money for a brand-new car, not just the depreciated value.⁷

If your car is totaled, we’ll give you the money for a model that's one year newer.⁷

If you’re in a covered accident, you can rely on Rental Car Reimbursement to pay the cost of a rental car. If you choose to have your car repaired at a direct Liberty Mutual approved repair facility, and allow us to arrange for the rental car, we will pay your rental costs for as long as it takes to fix your car.⁸

If your car breaks down, we won’t leave you stranded. From a jump-start to a tow, our optional 24-Hour Roadside Assistance will get you moving again.⁹

If your leased car is totaled, and the car’s value is lower than the amount remaining on your loan, Gap Coverage will cover the remaining amount you owe. Sometimes, this price difference can be steep, and you’ll want to avoid paying out of pocket.

Allows you to replace any damaged parts to your vehicle with parts that meet the highest quality standards.¹⁰

Extra protection for your car and teaching materials.¹¹

Required coverage for all types of vehicles traveling across the border to Mexico.¹² You choose your policy details.

This coverage pays for your initial medical expenses related to the accident, regardless of who is at fault. Passengers in your car are also covered.¹

If the other driver in an accident is uninsured, this coverage will pay for your injuries, up to the limit you choose.

Personal Injury Protection (PIP) coverage addresses potential medical expenses as a result of an accident.

Covers the initial medical treatment for your passenger(s).²

When you are found legally responsible for a car accident, this coverage pays for costs associated with repairing or replacing another person’s property.²

Covers the initial medical treatment for your passenger(s).