Here is an overview of the main types of cover you can buy through Connect:
Motor vehicle liability insurance
Liability insurance has two components: bodily injury and property damage. If you cause an accident, liability insurance compensates the other driver for their losses, including medical expenses and damage to the vehicle, up to the policy limit. Liability insurance also pays for your legal defense costs if you are sued. In most states, drivers are required to carry a minimum amount of liability insurance.
Back to back insurance
Comprehensive coverage pays for repairs to your vehicle if there is damage resulting from a non-collision incident. For example, multi-risk insurance covers damage caused by hail, theft, vandalism, falling objects and accidents with animals. The maximum payment for comprehensive insurance is the actual cash value of your vehicle if totaled. If you have to make a claim, your insurance check will be reduced by the amount of your deductible.
As the name suggests, collision insurance pays for repairs to your vehicle after an accident, regardless of fault. It also covers accidents with fixed objects, such as a telephone pole or a tree.
Collision and comprehensive coverage are usually available together as part of a comprehensive insurance policy. These policies are usually optional, but if you lease or finance your car, you may need to purchase them. Like comprehensive coverage, the maximum payment for collision damage waiver is the value of your vehicle if full, minus a deductible.
Medical payment insurance
The medical payments portion of a policy pays for your medical expenses if you, a family member, or a passenger in your vehicle is injured in an accident. It covers expenses such as ambulance rides, x-rays, prescription drugs, surgery and rehabilitation. Medical insurance is included in a full coverage policy and has no deductible.
Uninsured/Underinsured Motorist Insurance
In some states, uninsured motorist coverage is required and optional in other states. If you are struck by a driver who has no insurance or does not have enough insurance to fully cover your losses, Uninsured/Underinsured Motorist coverage will provide additional coverage for you and your passengers. In some states, you can also purchase coverage for damage to your vehicle caused by an uninsured driver.
Personal Injury Protection (PIP) is mandatory coverage in no-fault states. This policy pays for your medical expenses if you are injured in an accident, regardless of which driver caused the accident. It also extends coverage to passengers in your vehicle who are also injured. If you are living in a state of breakdown, PIP is often available as a rider for additional protection.