Personal Auto Coverages

When it comes to personal auto coverages, think of them as safeguards for you, your passengers, and others on the road in case of an accident. Bodily injury liability coverage takes care of medical bills and lost income for others if you’re at fault, shielding you from legal liabilities. Property damage liability coverage handles damages to another person’s vehicle or property, including legal defense costs. Personal injury protection (PIP) covers medical expenses and lost wages for you and your passengers, regardless of fault.

Concerned about uninsured drivers? Uninsured motorist coverage steps in to cover costs for you and your passengers if they cause an accident. It includes Uninsured Motorist Property Damage (UMPD) for vehicle damage and Uninsured Motorist Bodily Injury (UMBI) for medical expenses and other damages.

Underinsured motorist coverage protects you from drivers whose insurance doesn’t cover all accident costs, ensuring you’re not left with the bill. Medical payments coverage (Med Pay) handles immediate medical expenses for you and your passengers, regardless of fault.

Vehicle Coverages

With collision coverage, this one kicks in to handle the repair costs for your vehicle if you’re involved in a crash, regardless of who’s at fault. So, whether you bump into someone or they bump into you, collision coverage has your back. Just remember, there’s usually a deductible you’ll need to cover, but it’s worth it to ensure your wheels can get back on the road.

Then there’s comprehensive coverage, also known as “other than collision.” This one steps up for a variety of scenarios, like vandalism, theft, weather damage, and even run-ins with animals. Whether it’s a rogue hailstorm or a mischievous raccoon, comprehensive coverage helps foot the bill for repairs, keeping your ride in tip-top shape.

About towing and labor coverage? Imagine your car’s stuck on the side of the road or out of commission after an accident. That’s where this coverage comes in handy, providing the assistance you need to get your vehicle moving again when you’re not covered by collision insurance.

Next up, rental car expense coverage. Nobody wants to be left without wheels while their car’s in the shop. This coverage steps in to make sure you have a temporary ride sorted, whether it’s a rental car or another form of transportation, so you can carry on with your day-to-day while your vehicle gets patched up.

And then there’s gap coverage. It bridges the difference between what you owe and what your insurer pays out, saving you from being stuck with a hefty bill.

Remember, though, gap coverage won’t cover everything. Your deductible, mechanical repairs, medical expenses, and other costs aren’t included. But when it comes to covering the difference between what you owe and what your car’s worth, gap insurance is the way to go, especially if you’re leasing or financing your vehicle.

Special Auto Coverages

Consider enhancing your auto coverage with accident forgiveness to protect against rate hikes after your first at-fault accident or minor violation. Roadside assistance offers 24/7 support for emergencies like fuel shortages, tire changes, jump-starts, or tows, extending to you and your family members in any vehicle.

Seamlessly manage assistance through a user-friendly app or insurer’s website. Drive safely to enjoy a vanishing deductible, reducing by $100 annually up to $500, potentially vanishing entirely with a safe driving record. Additionally, the total loss deductible waiver ensures you won’t pay the deductible for physical damage in the event of a total loss, providing peace of mind during stressful times.

Nationwide Classic Car Insurance By Hagerty

When insuring your classic car with Hagerty, you’re ensuring specialized coverage tailored to collectors like you. With guaranteed value coverage, rest assured knowing you’ll receive the full insured amount in case of a covered total loss, minus a deductible. Plus, it’s premiums are up to 21% lower than standard auto insurance, making it affordable to protect your passion.

You’ll appreciate the flexibility of its usage allowance, without fixed mileage limits. Whether it’s a spontaneous weekend joy ride or a leisurely spin, you’re covered. And when it comes to maintenance and repairs, you’re in control. Access its seasoned claims team and choose your preferred repair shop.

Its coverage doesn’t stop at vintage cars; it extends to a variety of collector vehicles, including antique cars, muscle cars, classic trucks, motorcycles, and unique modifications. Just by using your vehicle for club events, exhibitions, tours, and occasional pleasure drives, you qualify.

Even collector trucks receive special considerations, addressing hauling and towing needs. Its comprehensive coverage includes protection against fire, vandalism, and other mishaps, along with liability coverage for injuries to others or property damage.

As a Hagerty member, you unlock additional perks. Enjoy coverage for automobilia, spare parts, and roadside assistance through the Hagerty Drivers Club. Plus, gain access to exclusive discounts and valuation tools, along with automotive resources to further enhance your collector experience.

Discounts

Take advantage of the numerous discounts Nationwide provides to reduce your car insurance premiums. By bundling policies such as home and car insurance, you can pocket an average of $646 in savings. Programs like SmartRide offer discounts for safe driving habits, while SmartMiles bases charges on mileage for those who don’t drive often. Keeping a clean driving record and excelling as a student also make you eligible for discounts. Whether you bundle multiple policies or opt for motorcycle or boat insurance, you can enjoy savings. Bundling not only cuts costs but also simplifies management and guarantees top-notch customer service.