Services

Bodily injury or property damage caused by the policyholder while driving, up to the policy’s limits

Events out of the driver’s control, including fire, theft, vandalism, hitting an animal, glass breakage, or acts of nature

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Bodily injuries sustained by the policyholder and their passengers and cost to repair or replace their vehicle if the at-fault driver has no and not enough coverage.

Medical for the policyholder and their passengers, regardless of who is at fault; also covers expenses if the accident happens in another vehicle the policyholder

Loan/lease payoff

Also known as gap insurance; can cover the difference between what the policyholder owes and what the vehicle is actually worth or up to 25% of the actual cash value

Car rental expenses up to driver’s policy limits while their vehicle is at the shop; routine maintenance is excluded Custom parts and equipment (CPE) value coverage Cost to repair or replace items & paint job

The gaps that the driver’s rideshare company does not cover such as while they are logged into a ridesharing app and waiting for a trip request

Towing services if the car breaks down for any reason; also covers lock-out service, flat tire changes, fuel/fluid delivery, and other related issues

Subtracts $500 to $1000 from the collision and comprehensive deductible for every claim-free policy period