Auto Insurance
Policy Basics

What car insurance coverage and limits do I need?

This depends on your situation. At a minimum, drivers must carry bodily injury and property damage liability coverage at the state-mandated limits to help cover vehicle, property damage and injury-related expenses for other people involved in an accident you cause.

Policy options beyond the minimum state requirements are available and can offer more complete protection. It is important to carefully consider your specific circumstances, including your risk tolerance and budget, then work with one of our agents to choose a policy that addresses your needs. Be sure to discuss the following common coverage options with your agent, too:

To cover: Ask one of our agents about:
Repair or replacement of your own vehicle:


Collision Coverage

Comprehensive Coverage

New Car Replacement Coverage

Loan/Lease Gap Insurance

Towing and on-site roadside services, such as jump-starts and flat tire changes: Roadside Assistance


Rental car while you can’t use your covered auto because of an accident or incident: Car Rental Reimbursement


Your own or your passenger’s medical expenses related to an accident or incident: Personal Injury Protection (PIP)

Medical Payments Coverage

Accident-related expenses if the driver who caused the accident has no insurance or inadequate coverage: Uninsured/Underinsured Motorist Coverage