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Coverage Options

The Right Coverage For You

A cracked windshield. A dented fender. Injuries that require medical care. Accidents can cause all kinds of damage—and we’ve got the types of coverage to help you get back on the road. As an AARP member, you can have full coverage auto insurance that's second to none.

Watch our short videos to learn about Bodily Injury, Medical Payments and Property Damage Liability benefits. The videos explain these key coverage features in plain English.

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And here’s an overview of the different parts of car insurance and how each protects you. Keep in mind that some coverages are subject to a deductible, and availability varies by state. We’ll help you find the right coverage at the right price for you.

If you’re involved in a collision with another vehicle—or with an object such as a wall or tree—Collision coverage pays for the damage to your covered vehicle.

Think of Comprehensive as "other than collision" coverage. It pays for damage to your covered vehicle caused by theft, vandalism, wind, fire and hail.

Medical Payments
This coverage helps pay for medical care, recovery, rehabilitation and other medical expenses if you or a family member is injured in an accident.

Bodily Injury Liability
If you cause an accident that injures or kills someone else, this liability insurance helps protect you against financial loss. It also pays your legal defense costs.

Property Damage Liability
This coverage pays for damage caused by your auto to other people’s property, such as damage to other vehicles, light poles and fences.

Uninsured Motorist Bodily Injury
An estimated 1 in 7 motorists are uninsured.†† This coverage helps pay bodily injury or death expenses for you and any of your passengers if you're struck by an uninsured, underinsured or hit-and-run driver.

Uninsured Motorist Property Damage
If your vehicle is struck by an uninsured driver, a hit-and-run driver, or an insured driver whose Property Damage Liability limit is too low to cover the losses, this coverage helps pay for the damage.

Personal Injury Protection
Also known as “No-Fault” insurance, this coverage pays benefits for injuries resulting from a car accident, regardless of who was at fault. 

Full Glass
If your window or windshield glass is broken, your Comprehensive coverage will pay for it--after you pay your Comprehensive deductible. With this optional coverage, available in select states, we'll pay the full amount with no deductible.

Towing and Labor
If you have Comprehensive coverage, you can also get this optional protection that pays for towing if your car is inoperable and for labor to get it up and running again.

Rental Reimbursement
If your car becomes inoperable due to a covered loss, this optional benefit helps pay the cost of a rental car. It’s available only if you carry both Comprehensive and Collision coverage.

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This provides an overview of coverages and services. Coverages may vary by state. All coverages are individually underwritten. For a complete description of coverage terms and conditions, refer to your insurance policy. In the event of a loss, the terms of the policy issued will determine the coverage provided.

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