Auto Insurance Coverage Types

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Discover discounts and benefits with the AARP Auto Insurance Program from The Hartford.
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Save with the AARP Auto and Homeowners Insurance Program from The Hartford.
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Discover savings with the AARP Homeowners Insurance Program from The Hartford.

Get Car Insurance Coverage at a Rate You Can Afford

Accidents can be costly. Feel confident behind the wheel knowing you have the car insurance coverage you need. With the AARP® Auto Insurance Program from The Hartford,1 you don’t have to sacrifice to save. You can tailor your car insurance coverage to suit your needs at a rate you can afford with the AARP Auto Insurance Program from The Hartford.
Hear what customers are saying about the savings they enjoy from The Hartford:
“Response by Hartford claims representative came immediately. Estimate of costs was done via the internet with the repair facility. Follow-up with them and me was immediate. Someone from The Hartford called me on the phone and by email within hours of my collision. We've had three vehicles and a home covered by The Hartford for at least a decade. I've checked on other companies' cost for coverage. I am a Scotchman genetically and by inclination. From time to time I've compared the cost for coverage, and I quit years ago, because no insurance comes close to the savings we make with coverage by The Hartford!”
“I would have to say that The Hartford was exceptional with their claims coverage, helped with all the rental car arrangements, arranging payment for repair of car and also gave us the repair shop information. This experience was very exceptional in that I did not have any lapse in driving to and from work. The Hartford claims reps are the best of the best. Thank you.”
“I'm a retired Corporate Risk Manager. Accidents of any kind are very stressful, especially as we age. The AARP/Hartford program is 10++++. The very first question asked by The Hartford Claims Rep was … 'are you ok'! Not coverage, or what happened, or deductibles … but 'are you ok.' To me, that is the soul of The Hartford program … it's about us, details come later … the who, what, where, when, what happened … but first … from the very first phone call … 'are you ok'! If ya ain't in, get in!”

Medical Coverages

Car Insurance Medical Payments

Helps cover medical care, recovery, rehab and remedial care for you and your family after an auto accident.

No-Fault Insurance - Personal Injury Protection

Pays for losses tied only to injuries – regardless of who caused the accident. This can be especially helpful after an accident that involves multiple injuries. Not available in all states.

Vehicle Coverages

Vehicle Collision Coverage

Helps pay for damage done to your car in the event of a collision – whether it’s with another vehicle or an object. For example, if you back into a tree and damage your car, this coverage could help pay the repair costs.

Non-Collision Damage - Comprehensive

Non-collision damage insurance, also known as “comprehensive,” helps pay for “non-collision” damage to your car from things like natural disasters, theft and vandalism. For example, if you park your car under a tree during a snowstorm and heavy snow takes down a branch and breaks your windshield, Non-Collision Damage Insurance could help pay the cost to repair the damage to your car.

Full Glass Coverage

Full glass coverage pays the amount of a covered glass loss with no deductible. For example, let’s say your car gets broken into overnight and a window is smashed. The estimate to repair it comes in at $600. If you have Comprehensive Automobile Insurance but not Auto Glass Coverage, you pay the deductible for any comprehensive insurance you carry on the vehicle before your insurance begins to cover the cost to repair the windshield.
If you have Full Glass Coverage, the expense of repairing the window is covered in full with no out-of-pocket costs to you. Not available in all states.

Car Towing Coverage

This coverage helps pay towing and labor charges associated with getting your vehicle running again in the event of a break down. For example, if your car battery dies on the interstate, this coverage could help pay for the costs of having your vehicle jump started.

Rental Car Expense

Transportation Expense coverage helps to pay for a rental car in the event of a covered comprehensive or collision loss. For example, while driving you slide off a wet road and crash into a tree. This coverage could help pay for the charges to rent a replacement vehicle while yours is repaired.

Car Liability Insurance Coverages

Auto Policy Bodily Injury Liability

This coverage can protect you against financial loss and helps pay the legal costs in the event you cause an auto accident that injures another person. For example, if you accidentally run a red light, or spin out in the snow and end up injuring another person, this coverage could help cover the costs of those injuries.

Property Damage Liability

Pays for damage your vehicle causes to other people's property (e.g. fences, mailboxes, other vehicles). For example, if your car slides out in the rain and you take out a neighbor’s mailbox or damage their landscaping, this insurance could help pay for the damages.

Uninsured-Underinsured Motorist Bodily Injury

Helps pay bodily injury expenses for you and your passengers if you're hit by an uninsured or underinsured driver.

Uninsured-Underinsured Motorist Property Damage

Helps pay for damage to your vehicle if it is struck by an uninsured driver, a hit-and-run driver, or an insured driver whose property damage liability limit is not enough to cover the losses.

Personal Umbrella Insurance

Personal Umbrella Coverage goes beyond accidents and damages. It helps when a covered loss exceeds the liability coverage limits of your home or auto policies. For example, if you are sued and the damages exceed the limits of your primary coverage, Umbrella Coverage can help cover the excess costs.

What Is Full Coverage Car Insurance?

Full Auto Coverage is a policy that includes liability, collision and comprehensive coverage. It doesn’t mean that it will cover all damages that can happen to or from your vehicle. But it will cover three important risks that come from owning and driving a vehicle and more.
Auto Liability Insurance helps cover the costs of claims made against you by other drivers if you cause an accident while driving. This can include claims for both property damage and bodily injury. For example, your vehicle skids on ice and you accidentally crash into your neighbor’s mailbox. Auto Liability Insurance can help cover the costs of the property damage claim made against you. Another example might be if you ran a stop sign and cause an accident with another vehicle. Because you are found at fault, Auto Liability Insurance can help cover the costs of the bodily injury claim made against you by the other driver.
Collision Insurance helps cover the costs of damage done to your vehicle caused by a collision with another vehicle or object. For example, you’re driving down the road and skid on a patch of ice. You slide out of control and into a guardrail. This causes damage to your headlight and bumper. They need to be repaired and replaced. Collision Insurance can help cover the costs of the damage done to your vehicle in the accident. Typically, collision insurance provides coverage for your vehicle up to the cash value of its worth. You will probably also have to pay a deductible on the damages.
Comprehensive Auto Insurance provides coverage for damage done to your car in accidents that do not involve another vehicle. So, if a tree branch falls on your parked car and causes damage, Comprehensive Auto Insurance can help cover the costs. This can also help cover costs if your vehicle is damaged by weather disasters, vandalism or if it is stolen.