Car Insurance Coverage

See how different car insurance coverage types help protect you, your car, your passengers and others on the road.

Protection for your car

• Collision coverage: Helps pay for car repairs after an accident. This includes accidents with other drivers, but can also extend to solo accidents—if you hit a tree or mailbox, for example.
• Comprehensive car insurance: Covers car repairs for damage caused by events other than collisions, such as theft, vandalism, weather and natural disasters.

Protection for you and your passengers

• Medical payments coverage (MedPay): This coverage helps pay the cost of medical expenses following an accident. It applies whether you caused the accident or not and covers things like medical and hospital bills for both you and your passengers.
• Personal injury protection (PIP): Offers the same coverage as MedPay, but goes further. Along with medical costs for you and your passengers, PIP can help with lost wages (if injuries leave you unable to work), rehabilitation and physical or occupational therapy.

Liability protection to cover damage to others

Most states require drivers to carry liability coverage. If you're in an accident and are found to be at fault, liability insurance will cover damage you're responsible for (at least up to your policy limits).

• Bodily injury liability: If you cause an accident and injure someone else (aside from yourself or your passengers), this coverage shields you from the financial burden of their medical costs.
• Property damage liability: If you cause an accident and damage someone else’s car or property, this coverage protects you from paying for their repairs out-of-pocket.

Protection from drivers who aren’t properly insured

If you’re ever in an accident with someone who has little or no car insurance, these coverage types can protect you from hefty out-of-pocket costs.

• Underinsured motorist coverage: Covers physical and property damage resulting from an accident with another driver who has some car insurance, but not enough to cover the costs of the accident.
• Uninsured motorist coverage: Covers physical and property damage resulting from an accident with another driver who has no car insurance.

Consider these add-ons to customize your auto coverage based on your needs.

• Vehicle Rental and Trip Interruption Coverage: Helps if you have an accident away from home.  Get reimbursed up to $800 for a rental car if you have a claim. If you have an accident more than 100 miles from home, this coverage also applies to travel expenses like transportation, lodging, and meals. These expense limits are different for each state, so ask your rep what this coverage looks like where you live.
• Personal effects coverage: If you have personal items stolen from within your car during a break-in, car insurance alone won't cover them. For that, you'll need personal effects coverage (also called "personal property coverage"), which is part of your home insurance policy.
• Windshield replacement insurance: Applies if your windshield, car windows or headlights are damaged and need repair.
• Umbrella liability insurance: While not specific to cars, umbrella insurance is an extra layer of liability coverage for both your home and your car. It's a separate product designed to protect you in case of a catastrophic event or a high-value lawsuit.

Your COUNTRY Financial insurance agent can help you get more value from your auto insurance coverage by applying any car insurance discounts you qualify for. Your agent will want to learn all about your car insurance needs, so be prepared to answer these questions. 

• How old is your car? 
• What is the make and model of your car?
• Who drives the car/cars in your household? 
• How old are the drivers in your household? 
• How often and how far do you drive?
• What assets do you need to protect? This will help you decide your amount of liability coverage.