Cover for the Car That Carries Your Week
Your car gets you to work, to school pickups and out of town on weekends. Auto insurance steps in when a trip goes wrong, paying for damage, injuries and the bills that follow.
- LiabilityHarm you cause to others
- CollisionYour car after a crash
- ComprehensiveTheft, hail and animals
- Uninsured driverWhen the other side can't pay
On the road or in the driveway
The Right Policy Keeps a Bad Day Small
A bent bumper, a broken headlight and a sore neck add up fast. Without the right auto insurance, every one of those costs lands on you. RogerScar lays out what each part of a car policy does, so you know what you pay for and where the gaps sit.
- Each type of car cover in plain words
- What a deductible means once a claim is open
- The details that move your monthly price
Five Parts Worth Knowing
Liability
Pays for injuries and property damage you cause to other people. Most states set a minimum amount, but those minimums can run out quickly after a serious crash.
What it can pay for
- Medical bills for other drivers and their riders
- Damage to another car, a fence or a building
- Legal costs if someone takes you to court
Collision
Repairs or replaces your own car after it hits another vehicle or an object, no matter who was at fault. Your deductible comes off the payout first.
What it can pay for
- Crashes with another car or truck
- Hitting a pole, a wall or a guardrail
- A rollover on a wet or icy road
Comprehensive
Handles damage that has nothing to do with a crash. Think of the morning you walk out and find your car dented, broken into or gone.
What it can pay for
- Theft of the car and break ins
- Hail, flood water and falling branches
- Hitting a deer or other animal
Uninsured Driver
Steps in when the driver who hits you has no insurance, or too little to pay for the harm. It can cover your medical bills and, in some states, your repairs.
What it can pay for
- Crashes with drivers who carry no policy
- Costs above what the other driver's limits pay
- Some hit and run cases
Medical Payments
Pays medical bills for you and your passengers after a crash, whoever caused it. Some states offer personal injury protection instead, which can also cover lost wages.
What it can pay for
- Ambulance rides and hospital care
- Passengers riding in your car
- You, if a car hits you while you walk
Set Up Cover Around the Car You Drive
Share your car, the people who drive it and how you use it. Signup is short, and the details you share stay private.
Start Your SignupNotes From People Who Drive Every Day
The rental car add on was the one I almost skipped. Then my sedan sat in a body shop for two weeks, and I never missed a day of work.
Someone backed into my truck at a gas station and drove away. The uninsured driver part of my policy paid for the brand new tailgate.
Once I saw what medical payments covered, I added it. A few months later it paid for a friend's ER visit after a small fender bender.
Car Insurance Questions That Come Up Often
Often, yes. Your liability usually carries over to a rental for personal trips. Collision and comprehensive carry over only if your own car has them.
Usually not. Comprehensive covers the car itself, like a smashed window. A bag or laptop taken from the seat is more often a home or renters insurance claim.
Often not much. Glass damage usually falls under comprehensive, and some policies fix it with no deductible. It depends on your insurer and past claims.
Yes. A personal policy may not cover you while you drive for pay. Many insurers sell an add on for delivery work, and skipping it can lead to a denied claim.
The insurer pays what the car was worth just before the crash, minus your deductible. If your loan is bigger than that, gap insurance can cover the difference.