SafeAuto offers standard coverage required to meet minimum state auto insurance laws, plus additional coverage for those who want it. Coverage offers include:
Liability insurance is mandatory in almost all states and pays other people’s accident costs when you are at-fault in an accident. Motor vehicle liability insurance policies include two types of coverage: bodily injury and property damage.
- Bodily injuries covers costs associated with injuries, including medical bills, loss of income and funeral expenses. It can also cover your legal defense as well as judgments and settlements if you are sued after an accident.
- Property damage coverage pays for the repair or replacement of someone else’s property when you are at fault, such as their vehicle or a fence you crashed into.
Collision coverage pays for damage to your vehicle when it “collides” with another car or an object, such as a pole or guardrail. It also covers damages suffered following a hit-and-run or if you drive your vehicle.
Collision coverage is optional, although your lender may require you to carry it if you have a car loan.
Full coverage pays for non-accident damage such as damage caused by fire, flood, hail, natural disasters, falling objects like tree branches and vandalism. This type of coverage also reimburses you if your car is stolen or if you accidentally hit an animal, such as a deer, while driving.
Like collision coverage, comprehensive coverage is optional, although you’ll likely have to purchase it if you’re financing your vehicle.
Uninsured Motorist Coverage and Underinsured Motorist Coverage pay medical and other expenses for you and your passengers if you are involved in an accident and the driver at fault has insufficient or no insurance.
Coverage for uninsured motorists is required in some states.
Coverage of medical payments, also known as MedPay, covers your medical expenses if you or your passengers are injured in an accident, regardless of who caused the accident. It also covers you if you are injured as a pedestrian or a passenger in another vehicle.
MedPay is required in some states and not available in others.
Related: The main types of car insurance