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Auto Insurance Coverage

Full Coverage Auto Insurance

With the AARP® Auto Insurance Program from The Hartford, you have a variety of full coverage auto insurance options to fit your needs. The information below gives you an overview of each type of coverage offered for your auto insurance policy. The Hartford’s full coverage auto insurance is second to none.

Bodily Injury Protection

Protects you against financial loss when you are held legally responsible for an automobile accident causing injury or death to someone else. This coverage also includes the legal costs involved in your defense for a covered suit as well as court costs and bail bond expenses.

The coverage amount is a "Split Limit," such as $100,000/$300,000. The first figure is the maximum limit provided for one injured person. The second figure is the limit provided for two or more persons in any one accident or occurrence.

Property Damage Liability

This liability auto insurance covers you against financial loss if you are found liable for damage caused by your auto, to other people’s property.

Uninsured Motorist Bodily Injury

Our coverage pays bodily injury or death expenses for you and any passengers in your vehicle up to your policy limits if you're struck by a driver who doesn’t have insurance, or if you’re struck by a “hit-and-run” driver that you cannot identify.

Uninsured Motorist Property Damage

Available in a small number of states, this coverage pays for damage to your vehicle when it is struck by an uninsured driver, a hit-and-run driver, or an insured driver whose property damage liability limit is inadequate to cover the property damage losses incurred.

Underinsured Motorists

This coverage pays benefits for the bodily injury or death of you and any passengers in your car if you are involved in an accident caused by a driver who has some insurance, but not enough to cover the losses that result from the accident.

Personal Injury Protection (No-Fault Insurance)

Pays benefits for the cost of personal injuries resulting from an automobile accident. Coverage applies without regard to who was at fault in the accident. It applies to bodily injuries, and it does not cover damage to a car, or to any other property. Coverage is provided on a per person - per occurrence basis.

Medical Payments

This part of full coverage auto insurance pays reasonable and necessary medical expenses directly resulting from an auto accident up to the selected limits. This may include medical care, recovery, rehabilitation and remedial care, as outlined in your policy. Coverage varies by state.


Collision insurance pays for damage to your covered vehicle (up to actual cash value), less the deductible amount, for losses caused by collision. Collision means contact with a physical object, such as another vehicle or a structure.

If you plan to purchase collision coverage, selecting a higher deductible generally helps to reduce the cost of your insurance.

This coverage is available only if you carry comprehensive coverage in most states.


Comprehensive insurance pays for damage to your covered vehicle (up to actual cash value), less the deductible amount, as a result of damage caused by events such as: fire, theft, glass breakage, riot, windstorm and hail.

If you plan to purchase comprehensive auto insurance coverage, selecting a higher deductible generally helps to reduce the cost of your insurance.

Comprehensive is often required when your car is financed or leased.

Full Glass

Pays the amount of a covered glass loss with no deductible being applied. This full glass coverage is optional and can be purchased for an additional premium.

Towing & Labor

This car insurance coverage feature pays up to the selected limit for towing of your covered vehicle when it is inoperable, whether or not there is an accident involved. (Note: You must also select Comprehensive coverage to obtain this coverage.)

Rental Reimbursement

If your car becomes inoperable due to a covered loss and you need to rent a substitute, this coverage pays the cost of the rental car up to your policy limits.

This coverage is available only if you carry comprehensive and collision coverage as part of your full coverage auto insurance.

Not all coverages are available in all states.

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