About Your Auto Insurance

Mandatory Car Insurance Coverages

Liability Coverage

This coverage protects you if you damage someone’s property, someone is injured or dies in an accident. If you are responsible for the accident you may be legally responsible.

Direct Compensation – Property Damage

Covers damage to your vehicle or for loss of use of your vehicle to the extent that another person was at fault for the accident. You collect directly from your own insurer, instead of the person who caused the damage.

Uninsured automobile coverage

Protects you and your family if you are injured or killed by a hit-and-run driver or by an uninsured motorist. It also covers damage to your vehicle caused by an identified uninsured driver.​

Accident Benefits

Provides you with benefits if you are injured in an automobile accident/ in addition to the mandatory minimum coverages you may purchase higher accident benefits coverage.

Optional Car Insurance Coverages

Specified Perils Coverage:
This coverage pays for losses caused by one of the following perils: fire; theft or attempted theft; lightning, windstorm, hail, or rising water; earthquake; explosion; riot or civil disturbance; falling or forced landing of an aircraft or parts of an aircraft; or the stranding, sinking, burning, derailment or collision of any kind of transport in, or upon which an insured vehicle is being carried on land or water.

Comprehensive Coverage: ​
This coverage pays for losses, other than those covered by Collision or Upset, including perils listed under Specified Perils, falling or flying objects, missiles and vandalism.

Collision or Upset Coverage:
This coverage pays for losses caused when an insured vehicle is involved in a collision with another object, including another vehicle, or rolls over. “Object” includes: another vehicle or a trailer that is attached to the vehicle that is covered by your insurance policy; the surface of the ground, and any object in or on the ground.

All Perils Coverage:
This combines Collision or Upset and Comprehensive coverages.