1. Bodily Injury & Property Damage Liability
Liability pays for other people's medical bills, lost wages, vehicle repairs, and your legal defense when you or a covered family member causes an accident. Because modern trucks, EVs, and hospital stays easily exceed state-minimum limits, we recommend strong limits (such as 100/300/100 or 250/500/100) to shield your savings and paycheck.
Real-world example: If you slide on black ice and rear-end a new $75,000 pickup, Property Damage Liability pays to repair or replace their truck so you aren't sued personally for the shortfall.
2. Collision & Comprehensive (Other Than Collision)
Collision pays to repair or replace your own vehicle after a crash with another car, guardrail, or rollover, while Comprehensive covers non-crash events like deer and elk strikes, windshield rock chips, hail, wildfire, theft, vandalism, and falling tree limbs.
Real-world example: If a mule deer jumps onto Highway 97 at dusk and causes $9,500 in front-end damage to your SUV, Comprehensive pays the body shop bill minus your chosen deductible.
3. Uninsured & Underinsured Motorist (UM/UIM)
Roughly one in seven drivers on the road carries no insurance at all, and many more carry only bare state minimums. UM/UIM steps into the shoes of an at-fault uninsured, underinsured, or hit-and-run driver to pay for your family's medical treatment, lost income, and vehicle damage.
Real-world example: If an uninsured driver runs a red light and injures you and your spouse, UM/UIM covers your hospital bills and rehabilitation costs right up to your policy limits.
4. Personal Injury Protection (PIP) & Medical Payments
PIP and Medical Payments cover immediate ambulance, emergency room, chiropractic, and rehabilitation bills for you and your passengers after a wreck — regardless of who was at fault — with no health-insurance copays or waiting on the other driver's carrier.
Real-world example: If your teenager is hurt as a passenger in a friend's car or in your own vehicle, PIP pays immediate medical bills and lost wage benefits while fault is still being investigated.
5. Roadside Assistance, Rental Reimbursement & Trip Interruption
While your vehicle is in the shop after a covered claim, Rental Reimbursement pays for a daily rental car or pickup so you can still get to work and school. Roadside Assistance covers 24/7 towing, dead-battery jump-starts, flat tires, and lockouts.
Real-world example: If your alternator fails on a mountain pass or your car needs two weeks of bodywork after a fender-bender, Towing and Rental Reimbursement keep your family moving.
6. Loan/Lease Gap, New-Car Replacement & OEM Parts Endorsements
Standard auto policies pay Actual Cash Value (depreciated market value) if your car is totaled. Loan/Lease Payoff (Gap) covers the difference between what your car is worth and what you still owe the bank, while New-Car Replacement replaces a totaled late-model vehicle with a brand-new one.
Real-world example: If your six-month-old pickup is totaled in a wreck and you owe $48,000 on the loan while its depreciated value is $41,000, Loan/Lease Gap wipes out the $7,000 gap.
