Auto Insurance Features & Benefits

Features and Benefits You Can Count On

At The Hartford, we go beyond just savings to get you more for your dollar. We offer innovative car insurance features not found with some other providers. Here are some of the auto insurance benefits we provide.

RecoverCare Car Insurance Benefit

When you’re injured in a car accident, we help pay for you to get assistance with cooking, cleaning, shopping, transportation and even yard work if you need it.^§

Lifetime Car Repair Assurance

If you choose one of the more than 1,600 authorized auto repair shops in our approved network, we stand behind the workmanship of covered repairs for as long as you own or lease your vehicle.

No-Drop Promise

Once you become an automobile insurance policyholder, you’re assured continued car insurance coverage as long as you're able to drive and meet a few simple requirements.^†

24/7 Claim Hotline

Claims support is an important car insurance feature. Our claim experts are available for you anytime, day and night, to start your claim and get you back on the road.

New Car Replacement

If you experience a total loss of a new car within the first 15 months or 15,000 miles after you purchased it (whichever comes first), we'll pay the replacement cost of a new vehicle—the same make, model and equipment—with no deduction for depreciation.

Auto Insurance Upgrade Features

In addition to all the standard car insurance benefits we provide, you can get an automobile insurance quote with our Advantage Plus package that offers these additional benefits.

First Accident Forgiveness 

If you qualify for this auto insurance benefit and you have a car accident, it won't count against you, and your auto insurance rates won't go up because of it.^††

Disappearing Deductible

Maintain a clean driving record, and we'll reduce your auto insurance collision deductible each year until it disappears. ^††

Waiver of Deductible for a Not At Fault Accident

If a collision loss is not your fault, then why should you have to pay your auto insurance deductible?

$100 Deductible Waiver

If you choose to take your car to one of our authorized auto repair shops, we'll waive $100 of your auto insurance collision deductible.

Not all features and benefits are available in all states.

† Your policy will not be non-renewed because of the number of traffic convictions or accidents you or any operator may have during the policy period. This promise does not apply if any operator is convicted of operating a vehicle under the influence of drugs or alcohol, if an operator has a driver's license suspension or if you fail to provide us, if requested, a physician’s certification of fitness to drive. PLEASE SEE ENDORSEMENT FOR ALL PROVISIONS.

§ Availability and benefit levels vary by state.

††Some benefits, including First Accident Forgiveness and the Disappearing Deductible, are only available with the Advantage Plus package. A policy without these benefits is also available. To qualify for the Accident Forgiveness benefit in most states, all drivers on the policy must have a clean driving record (no accidents or violations) for five consecutive years. To qualify for the Disappearing Collision Deductible in most states, all drivers on the policy must have a clean record for three consecutive years. NY and PA drivers are not eligible for the complete disappearance of the deductible, although it will be reduced to a minimum of $100. First Accident Forgiveness benefit is not available in all states.