Auto insurance may protect you against financial loss if you have an accident. Policies can offer various types of coverage, including:

Property Damage Liability

Property damage liability insurance may help pay for damage your vehicle causes to another person’s property.

Bodily Injury Coverage

Bodily injury coverage insurance may protect against financial loss. It may also provide legal defense in the event of a lawsuit resulting from an accident you or your family member caused in which another person was injured or killed.

Medical Payments

Medical payments coverage may help pay medical expenses for you and your family after an auto accident.

Collision Coverage

Collision coverage may help pay for damage to your car in the event of a collision.

Comprehensive Coverage

Comprehensive coverage may help pay for non-collision damage to your car. Some examples of non-collision damage include theft, vandalism and natural disasters.

Uninsured/Underinsured Motorist Coverage

Uninsured motorist bodily injury coverage may help pay expenses for bodily injury and/or death to you and your passengers in the event your accident is caused by an uninsured or underinsured driver.

Uninsured Motorist Property Damage may help pay for damage to your vehicle in the event your accident is caused by an uninsured or underinsured driver or a “hit and run” driver.

What else can auto insurance cover?

Because auto insurance premiums have become so competitive, many companies may offer optional coverages, such as:

Personal Injury Protection

Personal injury coverage may help pay for injury-related loss, regardless of who caused the accident.

Towing Coverage

Towing coverage may help pay towing expenses for your car.

Rental Vehicle Coverage

Rental vehicle coverage may help pay for a rental car in the event of a covered loss.

Gap (Loan/Lease) Coverage

Gap coverage may help pay any difference between the actual cash value of your vehicle and the unpaid balance of your loan or lease.

What to Do if You’re in an Accident

Car accidents can be very stressful. Read the tips below to learn what you should do if you’re involved in a car accident.

Stay calm.
Keeping a normal demeanor helps you stay in control of the situation.

Make sure you and your passengers are OK.
Move as far off the roadway as possible, but stay at the scene of the accident. Warn oncoming traffic by activating your hazard warning lights and/or setting flares.

Call the police.
Call 911 or the appropriate emergency number to report the accident.

Do not admit fault.
Do not discuss the car accident with anyone other than the police and your claims representative.

Exchange vital information with the other driver involved in the car accident.
Write down the name, address, phone number and license numbers for all drivers and witnesses, particularly those who were not riding in a vehicle involved in the accident. Ask for the insurance companies and policy numbers for drivers involved in the car accident

Contact your insurance company and report the claim.
The sooner your insurance company knows about the accident, the sooner they can start working to resolve your claim.