Car Insurance Coverages

What does standard auto insurance cover?

Our standard car insurance offers protection for you, your car, your passengers, and the other cars, people and property in an accident. Let's explore how auto insurance can be an important part of your overall financial plan. 

Protection for your car

When your car is damaged in a covered accident, your car insurance coverage can help you get it repaired or replaced with two key types of coverage - collision and comprehensive coverage. 

Collision coverage

If you are in a car accident and you collide with another car or something else, like a tree, highway guardrail or mailbox, your auto insurance collision coverage would cover the cost to repair your car, subject to the limits in your coverage and minus the deductible.

Comprehensive coverage

Your comprehensive coverage protects you when something happens to your car causing damage. If your car is stolen, vandalized or damaged by something, like a tree branch falling on it, your auto insurance comprehensive coverage would cover the cost to repair your car, subject to the limits in your coverage and minus the deductible.

Remember, general maintenance and mechanical repairs are not covered by auto insurance. 

Protection for you and your passengers

Medical payments coverage

Medical payments coverage pays for medical expenses for you and your passengers following a car accident, regardless of who is at fault. This coverage is sometimes referred to as MedPay.

Medical payments coverage typically covers expenses for:

  • Medical and hospital bills including cost for emergency room care, hospitalization, surgery, and other medical expenses related to the accident

  • Dental expenses resulting from dental injuries in an accident

  • Ambulance and paramedic services needed for transportation to the hospital

Medical payments coverage is optional in most states, and only covers medical expenses up to the limit of your policy. You set those limits when you buy your car insurance. Once medical bills for an accident reach that limit, you will be responsible for any additional costs.

Personal Injury Protection coverage

Personal Injury Protection (PIP) coverage, which is required in some states, extends coverage beyond just medical costs. In addition to medical expenses, PIP provides coverage for:

  • Lost wages if you or your injured passengers are unable to work due to injuries

  • Rehabilitation costs for physical therapy, occupational therapy, or other services needed for recovery

Liability protection to cover damage to others

If you own a vehicle, in most states you're required by law to have liability coverage. If you're in an accident and are found to be at fault, your liability insurance will cover the damages that you're responsible for up to your policy limits. Again, you set those limits when you buy or update your policy with your insurance agent. There are two types of liability protection - Bodily Injury and Property Damage.

Bodily Injury Liability

If you cause an accident and others are injured, your bodily injury liability coverage can provide protection for cost related to that injury including:

  • Medical expenses including the cost of hospitalization, surgery, and other medical treatments

  • Lost wages if the person injured is unable to work due to their injuries

  • Pain and suffering resulting from the accident

  • Legal fees and judgments

Property Damage Liability

If you cause an accident, your property damage liability coverage can cover the damage to property resulting from the accident.  That could include the following expenses:

  • Cost to repair the other driver's car

  • General property damage including items such as buildings, fences, and other structures that were damaged in the accident

  • Legal fees and judgment if the other person files a lawsuit against you

Protection for when others are not properly insured

When you're in an accident with someone who is at fault and doesn't have liability insurance to cover the damage, your insurance can provide two levels of protection - Uninsured Motorist and Underinsured Motorist Coverage.

Uninsured Motorist Coverage

If the other driver doesn't have insurance at all, your Uninsured Motorist Coverage can help cover the damage to your car and medical cost and lost wages resulting from any injuries you incurred in the accident. This is optional coverage that can provide you with peace of mind knowing you're covered even when the other driver isn't

Underinsured Motorist Coverage

Underinsured Motorist Coverage protects you when you're in an accident with someone who has auto liability insurance, but it's not enough to cover the damage.

If the accident was the other person's fault, their car insurance should pay the expenses. But if they are carrying their state minimum coverage, the amount required by law in their state, it may fall short of your car repair cost or medical expenses. Your Underinsured Motorist Coverage can help fill the coverage gap to help you recover from the accident. 

What options should I add to my car insurance?

You may also want to add more coverages to your car insurance to provide extra protection. Consider these add-ons to customize the coverage based on your needs. 

The Keeper® 

When you buy a new car, you probably want to protect that investment. The Keeper protects your new car if it’s totaled in an accident. If this happens, most insurance companies will only reimburse you for the current value of your car, reducing that value for depreciation.

With The Keeper, we’ll pay for a brand-new car, same make and model. If your cars is less than four model years old (three if you live in Georgia or Idaho), you may be able to qualify for this extra protection. Some other guidelines and your deductible apply.

So, if you have a new car, ask your insurance agent about The Keeper.  

Emergency Roadside Assistance 

When you're stranded on the side of the road or you lock your keys in the car, your roadside assistance or emergency road service coverage can help. You’ll be reimbursed up to $100 total for towing, delivery of fuel, repair parts and labor charges. 

Rental car coverage

Vehicle rental and trip interruption coverage helps if you have an accident away from home.  Get reimbursed up to $800 for a rental car if you have a claim. If you have an accident more than 100 miles from home, this coverage also applies to travel expenses like transportation, lodging, and meals. These expense limits are different for each state, so ask your rep what this coverage looks like where you live.  

Personal effects coverage

Personal effects coverage protects you if things like your phone or laptop are stolen from your car. Just remember, the limit is $800.

Windshield replacement insurance

Safety glass coverage helps if your windshield, car windows or headlight covers need repair. If you have this additional insurance, you don’t have to pay your Comprehensive coverage deductible. 

Umbrella liability insurance

Umbrella insurance is an extra layer of liability insurance over what you have in your auto and home insurance. The additional insurance is designed to protect you and your finances against large liability claims such as major accidents or legal settlements. 

Your auto and home insurance liability protection has limits. An umbrella policy extends those limits and could provide coverage you need. Talk with your insurance agent about your personal situation.

Car Insurance 101

You know you need car insurance, but do you understand how it protects you and your finances?

Types of Auto Coverage Explained

When you understand your car insurance options, you can make the right choices for your situation. 

Understand your car insurance coverages

If you have an auto insurance claim, you want to know you have the protection you need to get you back on the road. 

Learn more about your coverage options and meet regularly with your insurance agent to keep your coverage up to date. 

Your insurance agent can help you decide

Your COUNTRY Financial insurance agent will meet with you to help you choose the auto insurance coverage you need and find all car insurance discounts you can qualify for. When you contact your agent, be prepared to answer these questions. 

  • How old is your car? 
  • What is the make and model of your car?
  • Who drives the car/cars in your household? 
  • How old are the drivers in your household? 
  • How often and how far do you drive?
  • What assets do you need to protect? This will help you decide your amount of liability coverage. 

Ready to start an auto insurance quote?

Start online, find a local insurance agent or call us at 866-COUNTRY (866-268-6879). We'll help you find car insurance that works for you.

Start a quote

COUNTRY Financial® is a family of affiliated companies (collectively, COUNTRY) located in Bloomington, IL. Learn more about who we are.

Auto insurance policies issued by COUNTRY Mutual Insurance Company®, COUNTRY Preferred Insurance Company® and COUNTRY Casualty Insurance Company®, Bloomington, IL. 

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