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Our Coverage Details for Auto

When you choose Acuity to protect your vehicle, you choose a first-class team of agents, customer service providers, and claims professionals dedicated to keeping your life moving full speed ahead and your worries in the rearview.

Essential coverages

There are certain core coverages all car insurance policies should have:

  • Liability coverage pays for injury or property damage to others as the result of an auto accident. Liability coverage typically includes bodily injury and physical damage. 

  • Medical payments or personal injury protection (depending on state requirements) covers medical and funeral expenses for injuries that occur to you, your family, and your passengers while in a vehicle or as pedestrians. We also cover lost wages due to an injury. This coverage goes into effect regardless of who caused the accident.

  • Uninsured and underinsured motorists coverage protects you and your family against injuries caused by a driver who does not have insurance or does not have enough insurance.

  • Comprehensive and collision coverage protect you against damage to your vehicle.

Innovative Acuity coverages

We combine competitive pricing with innovative auto insurance coverages such as:

  • Vehicle Replacement Coverage. For just a little extra premium, if your car or motorcycle is totally destroyed in a covered loss (other than fire or theft), we will pay to replace it with a brand new car or bike of the same or similar model. Older vehicles totaled in a covered loss are paid 25% above the vehicle's current value.

  • Full safety glass. With this extra coverage, if your vehicle’s windshield or windows need to be repaired or replaced, you do not have to pay the comprehensive deductible.

  • Medical payments limits are automatically increased if the injured person was wearing a seatbelt at the time of the accident.

  • Uninsured motorists – property damage. Why wait months, or even years, to get paid if your car is damaged by an uninsured driver? Let us pay to get your car fixed, and then let us worry about trying to collect from the at-fault driver.

Additional valuable coverage options

You can add a few additional coverages to complete your car insurance policy:

  • Towing and labor pays the towing charges when your vehicle breaks down. Included with towing and cabor coverage is Emergency Roadside Assistance, which is available 24/7 and covers things like tire changes, jump starts, fuel delivery, and more.

  • Personal auto enhancements. This endorsement provides a series of extra coverages including lock replacement if keys are lost or stolen, personal property replacement for items inside your vehicle that are damaged in an accident, travel expenses to rent a car, eat, or lodge elsewhere after an accident, airbag replacement if an airbag discharge is not caused by an accident and, in certain states, benefits for accidental death and total disability.

  • Lease/loan payoff.  If you owe more on your vehicle than what it is worth, this “gap coverage” will cover the difference between the actual cash value of your vehicle and the unpaid principal amount owed on your lease or loan.


You can bundle your auto or motorcycle policy with your other personal insurance policies, like home or renters insurance, to create a single, easy-to-manage package policy that can also save you money. 

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Let us focus on your auto insurance so you can live your life.


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    Check out our glossary to help you understand your policy.


    Have questions? We have answers.

    Both coverages protect against damage to your car. Comprehensive (sometimes known as “other than collision”) pays repair costs for your vehicle when it is damaged by something other than another vehicle, such as animal hits, hail, vandalism, or theft. Collision pays repair costs for your vehicle when it is damaged by another vehicle or a stationary object like a tree or lamppost. 

    Yes, your insurance would cover damage to your rental car. The same limits and deductibles of your policy would apply.

    It's the amount you agree to pay for repairs before Acuity starts covering costs. 

    If you have comprehensive coverage on your vehicle, yes, the vehicle repairs are covered, subject to your deductible.