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Coverage Options
Understanding your coverage options helps you build a policy that protects what matters — without paying for what you don't need.
Liability Insurance
Covers bodily injury and property damage you cause to others in an at-fault accident. Required by law in 48 states with minimum limits ranging from 15/30/5 to 50/100/25 depending on location.
Full Coverage
Combines liability, collision, and comprehensive insurance into one policy. Typical full coverage policies include bodily injury liability of 100/300, property damage of 100, and deductibles between $500-$1,000.
Comprehensive Coverage
Pays for vehicle damage from non-collision events including theft, vandalism, fire, hail, and animal strikes. Comprehensive claims account for approximately 6% of all auto insurance claims filed annually.
Collision Coverage
Covers damage to your vehicle from accidents with other cars or objects, regardless of fault. Collision coverage becomes optional once your vehicle value drops below 10 times your annual premium cost.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient coverage limits. Required in 20 states and recommended in all others, as approximately 13% of drivers nationally carry no insurance.
