Auto Insurance
What does auto insurance cover?
Auto insurance helps protect you financially if you're in an accident or your vehicle is damaged or stolen. In California, you're required to carry liability insurance—but many drivers choose additional coverage for extra peace of mind.
Core coverages
Liability Coverage
Protects others if you cause an accident:
Bodily Injury Liability
Covers medical expenses for other people if you're at fault.Property Damage Liability
Pays to repair someone else's car or property.
Protection from Uninsured Drivers
Uninsured/Underinsured Motorist Coverage
Covers your injuries or damage if you're hit by someone with little or no insurance. With about 17% of California drivers uninsured, according to recent data in 2022 from the Insurance Research Council, this protection is especially important.
Coverage for your own car
Physical Damage Coverage
Collision Coverage
Pays for damage to your vehicle after a crash, regardless of who's at fault.Comprehensive Coverage
Covers theft, vandalism, falling objects, fire, or glass damage.
Bonus Options
Collision Deductible Waiver (CDW)
Covers your deductible if an uninsured driver hits you.Uninsured Motorist Property Damage (UMPD)
Covers up to $3,500 in damage (if you don’t have collision coverage).
Protection from Uninsured Drivers
Uninsured/Underinsured Motorist Coverage
Covers your injuries or damage if you're hit by someone with little or no insurance. With about 17% of California drivers uninsured, according to 2022 data from the Insurance Research Council, this protection is especially important.
Additional protection options
Medical Payments Coverage
Helps with medical bills for you and your passengers after an accident, no matter who's at fault.Rental Car Reimbursement
Helps pay for a rental if your car is in the shop after a covered accident.Roadside Assistance
Covers towing, jump-starts, flat tires, and more.Gap Coverage
Pays the difference between your loan/lease balance and your car’s actual value if it’s totaled.