Coverages 101

See how coverages work.

We want you to understand what you have, what you’re paying for, and what kind of help you can count on in a situation. Scroll through to see different scenarios, and click a card to get more on that topic.

Tap a card to see how coverage works.

Damage to Others

What if you hit a stopped car and it’s your fault?

Coverage Used

Bodily Injury and Property Damage Liability Coverages

This coverage in action

Let's say Steve's car collides with a stopped car at an intersection. The driver and passenger in the car he hit are injured, and their $70,000 luxury car is totaled.

If Steve is legally responsible—or liable—for the accident, Bodily Injury Liability coverage may pay for medical expenses up to his limits per person and per accident. If Steve's Property Damage limit is $50,000, he may be responsible for paying the balance on their $70,000 car. If the other driver sues him, it pays for his defense and court costs.

Protect me & my car

What if an uninsured driver hits your car and you’re injured?

Coverage Used

Uninsured Motorist - Bodily Injury & Property Damage Coverages

This coverage in action

An uninsured driver runs a red light and hits the side of Karen's car. She and her passenger end up in the hospital for several days and her car is totaled. Because she was injured and her car damaged by someone driving without any liability, Karen's Uninsured Motorist coverages may pay for her medical expenses and her car damages. Additionally, Karen and her passenger's lost wages and any pain and suffering may be covered.

Protect me & my passengers

What if you hit a tree and have to go to the hospital?

Coverage Used

Medical Payments Coverage

This coverage in action

While Sabrina is driving in a snowstorm, she slides off the road and hits a tree. The impact injures her and an ambulance takes her to the hospital for treatment. Sabrina's emergency medical treatment costs $2,500, but her health insurance deductible requires her to pay $1,500 out of pocket. Sabrina's Medical Payments coverage will help her pay her deductible and any other reasonable medical expenses related to her accident injuries that are not covered by her health insurance.

Protect my car

What if a tree falls on your car during a storm?

Coverage Used

Comprehensive & Collision Coverages

This coverage in action

It's just not Aaron's day. On the way to work, his car went off the road striking a tree. His car has major damage, but thankfully he's not injured.

These things happen. The damage to his car will cost $4000 to repair and his deductible is $500. Aaron's Collision coverage covers the remaining $3,500 for the repairs.

Help me

What if your car is getting repaired and you have no way of getting around?

Coverage Used

Rental reimbursement

This coverage in action

Jason's car is in the shop after a collision, leaving him without a way to get to work or run errands until the repairs are complete. Rental reimbursement pays for rental car or transportation expense while his car is being repaired and Jason is relieved to have less interruption to his routine.

Help me & my car

What if your car breaks down or you get a flat tire?

Coverage Used

Roadside assistance

This coverage in action

Eric's car breaks down on the side of the road in an unfamiliar area, leaving him stranded on the side of the road. Unsure who to call, Eric contacts HiRoad^™ Emergency Road Service through the HiRoad app and they dispatch assistance to his location. His Roadside Assistance coverage pays for his towing or minor mechanical repair so he can get back on the road.

See How It Works

Claims overhauled for you.

This is how things should work. A dedicated rep with a 360 view of your account means no repeating things, and consistency from initial report to final repair. And a digital process and service network means things get settled fast.

We get the info

We get your description of the event. Then your dedicated claims specialist will follow up with you and others involved, so you’ll know what to expect.