Coverage for Wherever the Road Takes You

Helps cover injuries you cause to others in an accident including drivers, passengers and pedestrians. It can also extend to you and family members listed on your policy when driving another vehicle with permission. Serious accidents can result in significant financial claims or legal action, which this coverage helps address.

Helps pay for medical expenses for you and your passengers after an accident, regardless of fault. Depending on your policy, it may also cover:

• Medical treatment
• Lost wages during recovery
• Replacement services
• Funeral expenses in severe cases

Pays for damage you—or someone driving your vehicle with permission—cause to another person’s property. This can include:

• Other vehicles
• Buildings, fences or structures
• Utility poles, streetlights and similar property

Helps pay to repair or replace your vehicle if it’s damaged in an accident involving another vehicle or object, or if it rolls over. Applies to both at-fault and not-at-fault accidents and typically includes a deductible. If another driver is at fault, your insurer may attempt to recover costs on your behalf.

Protects your vehicle from damage not caused by a collision. This can include:

• Theft or vandalism
• Fire, hail or wind damage
• Falling objects or explosions
• Animal-related damage
• Glass damage

Coverage is typically subject to a deductible and may be required by a lender for financed vehicles.

Helps protect you if you’re injured by a driver who has no insurance or not enough coverage to pay for your damages. It may also apply in situations such as:

• Hit-and-run accidents
• Pedestrian injuries involving an uninsured driver
• Cases where the at-fault driver’s coverage is insufficient