Liability
Liability insurance, mandatory in most states, covers bodily injury and property damage caused by your vehicle. In the event of an accident, it compensates others for injuries or property damage if you’re at fault and can cover legal defense if you’re sued, up to your coverage limits.

Uninsured/Underinsured Motorist
Uninsured/underinsured motorist coverage can help pay for damages and medical costs resulting from an accident caused by a driver with no insurance or inadequate coverage. In some states, it may be offered as a combined coverage, while in others it may be offered as two separate coverages (one for uninsured motorists and another for underinsured motorists).

Collision
Collision coverage helps pay for damage to your vehicle if your car hits another car or object, gets hit by another car, or rolls over. This coverage is generally required if your car is financed or leased.

Gap Coverage
Automobile GAP Coverage (Guaranteed Asset Protection) is optional insurance that covers the difference between what you owe on your vehicle loan or lease and the actual cash value of your car if it’s totaled or stolen.

Ride Share
If you drive for a ridesharing company, the extra coverage offered by this endorsement may help fill gaps between their commercial policy and your personal auto insurance policy.

Custom Equipment Coverage
Custom parts and equipment coverage is optional insurance that covers aftermarket modifications made to enhance your vehicle’s looks or performance.

Comprehensive
Comprehensive coverage helps pay for damage to your vehicle that is not caused by a collision. For example, theft, vandalism, hitting a deer or other animal, storms and certain natural disasters.

Medical Payments
Medical payments coverage protects you and passengers in your vehicle who may be injured in an accident, no matter who is at fault. It also protects you as a pedestrian.

Rental
Optional rental reimbursement, also known as extended transportation expenses coverage, can help pay for a rental car if your car is damaged in a covered accident and is out of commission for more than 24 hours.

Towing
Optional towing coverage provides reimbursement for towing expenses from the location your vehicle stopped. Since towing companies typically charge by the mile, this coverage could help you avoid extra cost and frustration. To add towing coverage, you must first have comprehensive coverage on your policy.

New Car Replacement
If you total your new car in the first five years, Premier New Car Replacement coverage pays to replace it with a brand-new car of the same make and model.