12-Month Rate Protection
You can relax knowing your low auto insurance premium is locked-in for a full year. This sets us apart from other insurers who may change rates every six months or even sooner.
RecoverCare – Assistance After an Accident
The Hartford is here for you if you're injured in an auto accident. This coverage provides reimbursement for essential home services you cannot perform yourself, such as house cleaning, lawn maintenance, and even dog walking. This coverage applies when injuries are not already covered by Medicare or health insurance.§
New Car Replacement Coverage
If you total your new car within the first 15 months or 15,000 miles after you buy it (whichever comes first), we’ll pay to replace it with a new vehicle of the same make, model and equipment – with no deduction for depreciation.§§
Lifetime Car Repair Assurance
Use one of the 1,600+ authorized repair shops in our approved network, and we’ll stand behind the workmanship of covered repairs for as long as you own or lease your vehicle. With this great coverage, you won’t have to go through the hassle of finding a trusted repair service after an accident.
24/7 Claims Hotline
Accidents can happen any time of day or night and you deserve an insurance company that can respond immediately no matter what time you call. You can reach our claims reporting service 24/7, and we’ll walk you through the car insurance claims process. Our 6-Point Claim Commitment is your assurance of getting prompt, caring service from the start of your claim to the end.
Enjoy even more car insurance protection.
ADVANTAGE PLUS Program‡
In addition to the features and benefits mentioned above, the Advantage PLUS package includes:
First Accident Forgiveness
Everyone makes mistakes once in a while. Once you qualify, if you’re involved in an accident, that first accident will be forgiven and your premium won’t increase as a result. To qualify, all drivers on the policy must have a clean driving record for five consecutive years.
We believe in rewarding great drivers. With our disappearing deductible, your collision deductible on your car insurance policy will go down each year – all the way to $0 – as long as you maintain a clean driving record.‡
If you file a claim for a loss involving two of your vehicles that are covered by a car insurance policy with The Hartford, you'll pay only one deductible – whichever is higher – for the covered losses to the vehicles. This benefit also applies if your car and home are involved in the same covered loss and you carry homeowners insurance with The Hartford. You'll pay only the highest deductible.‡
Waiver of Deductible for a Not-At-Fault Accident
In most cases, if you are not at fault in an accident, The Hartford will waive your deductible.
$100 Deductible Waiver
Typically, even if you’re not at fault, you may have to pay out of pocket for repair costs that fall below the deductible amount of your car insurance policy. With The Hartford, you can have your car repaired at any shop you choose. However, when you elect to use a Hartford-authorized shop for vehicle repair, we’ll reduce your collision deductible by $100. Not available in all states.
† If you are age 50 or older, once you're insured through this Program for at least 60 days, you cannot be refused renewal as long as applicable premiums are paid when due. Also, you and other customary drivers of your vehicles must retain valid licenses, remain physically and mentally capable of operating an automobile, have no convictions for driving while intoxicated and must not have obtained your policy through material misrepresentation. Benefit currently not available in HI, MI, NH and NC.
§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage® is a registered mark of The Hartford.
§§ Limitations apply.
‡ 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 benefit in most states, all drivers on the policy must have a clean driving record (no accidents or violations) for three consecutive years. NY drivers are not eligible for the complete disappearance of the deductible, although it will be reduced to a minimum of $100. The Advantage Plus package option and the Disappearing Deductible benefit are not available in all states. First Accident Forgiveness benefit is not available in all states.