Auto Insurance

Liability car insurance pays for the other party’s injuries and property damage when you’re at fault. It’s legally required in most states.

Rental reimbursement pays for a rental car while yours is repaired after a covered claim.

Diminished value is the lost resale value of your car after an accident — sometimes recoverable from the at-fault insurer.

Roadside assistance is an optional add-on that pays for towing, jump-starts, lockouts, and flats.

Uninsured motorist coverage protects you when an at-fault driver has no (or too little) insurance.

A totaled car is paid at actual cash value instead of repaired; gap insurance covers loan shortfalls.

A hit and run is usually covered by uninsured motorist or collision coverage.

Comprehensive covers catalytic converter theft — the part and related damage, minus deductible.

A rental while your car is repaired is covered only if you have rental reimbursement coverage.

Car insurance doesn’t cover engine failure from wear — only from a covered event like a crash or flood.