FIND YOUR BALANCE
HiRoad auto insurance coverages
How coverages work
Choosing insurance coverage is all about the balance of having enough protection—without paying for more than you need.
How much coverage do I need?
This is on everyone’s mind when shopping for car insurance. You should have enough coverage to get back on the road smoothly and protect you from liability.
Can I get full coverage auto insurance?
Ready to have your mind blown? Full coverage insurance isn’t a thing. It’s an informal way to describe a combo of comprehensive, collision and state required coverages. We offer it all.
Get what you need
Before you decide how much coverage to purchase, you have to decide what coverage you need. Some types are required by law. Others are just great to have.
Auto coverage requirements vary by state. Below are all of the types of personal auto coverage offered by HiRoad. Availability varies depending on your state of residence.
Damage to others
Property Damage Liability coverage
This important coverage can pay for damage done to someone else’s property. It may pay for a replacement vehicle while the damaged vehicle is repaired.
Bodily Injury Liability coverage
If you hit another vehicle, and are legally liable, this coverage could pay for the other person’s injuries caused by the accident. It’s required by law in most states.
Injuries to yourself and your passengers
Medical Payments coverage
This type of coverage will help pay for reasonable medical expenses related to accident injuries that are not covered by health insurance.
Protection from uninsured or underinsured drivers
Uninsured Motorist Bodily Injury coverage
If you or a passenger is injured by someone driving without enough or any liability insurance, this may pay for medical expenses as well as potential lost wages
Uninsured Motorist Property Damage coverage
If your vehicle is damaged by someone driving without enough or any liability insurance, this may pay for your car’s damage.
Damage to your car
This coverage may pay out if your car is stolen or damaged by something other than a collision. For example, fire, theft, vandalism or glass breakage.
This can pay for repair or replacement of your vehicle if it has been damaged in a collision with another vehicle or object.
Handy to have
Emergency Roadside Assistance coverage
It’s generally affordable and helps with more than just towing. In some cases your car can be repaired on the spot.
Car Rental and Travel Expenses coverage
Rental car fees or reasonable transportation expenses can be paid while repairs are being made.
CHECK INSURANCE OFF YOUR LIST