Personal Auto
Vehicle insurance covers most four-wheeled vehicles that are legal to drive on a public roadway. Each state has a required minimum liability coverage which you may build upon to add more robust coverage for your vehicles.
Standard coverage typically follows a vehicle, so you are covered if someone borrows your auto. It also typically follows you as a named insured on a policy if you borrow someone else’s auto.
Owned Autos – Covers vehicles specifically named on your policy including a 14-day grace period for newly purchased or leased vehicles.
Non-owned Autos – Covers vehicles borrowed from an acquaintance, a temporary rental or a temporary substitute from a dealership.
Available coverages
A – Liability covers the other person’s losses due to an accident. It is required by law for all vehicles and must meet the state’s required minimum limit.
B – Medical covers medical payments for the insured and any passengers.
C - Uninsured Motorist covers you if it is a hit and run or if the other driver is at fault and either has no coverage or is under the state’s required minimum.
D – Underinsured Motorist picks up where the other driver’s limits end should they have the state’s required minimum, but it is not enough.
E - Physical Damage to your vehicle.
Each policy will have stipulations, limits, and exclusions. Extensions, riders, and floaters are available to fill any gaps. The information on this website is an overview of the types of insurance you may be able to purchase, but does not comprise full explanations of policy types nor does it guarantee any particular coverage or policy.