Auto Coverage Options

Liability Coverage

Liability coverage can help pay for bodily injury or property damage you cause in a covered accident, up to your policy limits. Review limits that fit your circumstances and California requirements. An agent can explain what the policy covers, where exclusions may apply, and how liability protection fits with your other auto coverage.

Collision Coverage

Collision coverage can help pay to repair or replace your vehicle after a covered crash, subject to your deductible and policy terms. It may apply if you hit another vehicle or object, or if your car overturns. Compare the premium, deductible, and vehicle value to decide whether this option makes sense for you.

Comprehensive Coverage

Comprehensive coverage can help with covered vehicle losses that are not caused by a collision. Depending on the policy, examples may include theft, vandalism, falling objects, or certain weather-related damage. Review exclusions, limits, and deductibles before choosing. An agent can help you compare this protection with your car's value and how you use it.

Uninsured Motorist

Uninsured and underinsured motorist coverage may help with eligible losses if an at-fault driver has no insurance or insufficient limits. Availability and terms depend on the policy and state requirements. Ask how this coverage applies to injuries or other eligible expenses, what limits are available, and how it works alongside your health insurance and other protections.

Medical Payments

Medical payments coverage may help pay eligible medical or funeral expenses after a covered auto accident, regardless of who caused it, subject to policy terms. Coverage can vary by insurer and state. Compare available limits and consider how this option may complement health insurance or other benefits. Ask about covered people, expenses, and exclusions.

Roadside Assistance

Roadside assistance may provide services for situations such as a breakdown, flat tire, dead battery, or lockout, depending on the policy. Check which services are included, service limits, and whether towing distance is restricted. Compare this option with assistance you may already have through a vehicle warranty, membership, or another provider.