Our Coverage Details for Auto

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. Watch a quick video to learn more about this coverage.

• 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 labor 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 key and 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, reimbursement for veterinary expenses if your pet dog or cat is injured in an auto accident, airbag replacement if an airbag discharge is not caused by an accident and in certain states, benefits for accidental death and total disability.

• Auto Loan/Lease. 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 loan or lease.

• Temporary transportation expenses pays vehicle rental, bus, rideshare or taxi fares while your vehicle cannot be driven so that you can get where you need to be.

Packages

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.