What Types of Coverage Are Available?

Understanding your coverage options helps you make informed decisions about protecting yourself and your vehicle. Here's what we offer:

Liability Coverage

Required in most states

Bodily Injury Liability
- Helps pay for medical expenses of others if you're at fault in an accident
- Covers injuries to other drivers, passengers, and pedestrians
- Required by every state at minimum amounts
- Protects your financial interests from lawsuits

Property Damage Liability
- Helps pay for repair or replacement of others' property if you're at fault
- Covers vehicles, buildings, fences, telephone poles, and other property
- Required in all states

Vehicle Protection Coverage

Typically required for financed/leased vehicles

Collision Coverage
- Covers damage to your vehicle from accidents
- Pays regardless of who is at fault
- Subject to your chosen deductible

Comprehensive Coverage
- Protects against non-collision damage
- Covers theft, vandalism, natural disasters, falling objects, animal strikes
- Peace of mind for unexpected events

Additional Protection

Uninsured/Underinsured Motorist Coverage
- Protects you if hit by someone without insurance or insufficient coverage
- Covers your medical bills and vehicle damage
- Essential protection in areas with high uninsured driver rates

Medical Payments (MedPay)
- Covers medical expenses from auto accidents regardless of fault
- Helps you and passengers get prompt treatment
- Works alongside your health insurance

Personal Injury Protection (PIP)
- More comprehensive than MedPay
- Covers medical expenses, lost wages, funeral expenses, survivor benefits
- "No-fault" coverage—you're covered regardless of who caused the accident
- Required in some states; available in select states

Rental Vehicle Reimbursement
- Included with every Alset policy: up to $30 per day (up to $900 total)
- Covers rental car costs while your vehicle is being repaired