Car insurance requirements vary by state. In most states, you are required to have both bodily injury and property damage liability insurance. Some states require coverage to help pay hospital bills and medical expenses for you and your passengers related to injuries from a car accident, no matter who is at fault. Some states require that you protect yourself from uninsured or underinsured motorists. Ask your local agent for personal advice about making sure you’re adequately covered.
Bodily Injury Liability
Helps pay for bodily injury expenses, like hospital bills and medical care, that you may be held responsible to pay if you cause an accident that injures another driver or another car’s passengers.
Property Damage Liability
Helps pay to fix someone else’s vehicle you’re held responsible for damaging in an accident
Personal Injury Protection (PIP) and Medical Payments (Med Pay)
Helps pay for hospital bills and medical care expenses for you and your passengers if you’re injured in an accident, no matter who was at fault. Some states require personal injury protection. If it’s not required where you live, you can always choose to add it yourself.
Uninsured and Underinsured Motorist (UM/UIM)
Pays for damages you are legally entitled to recover from a driver without liability insurance or a hit-and-run driver or for an amount that exceeds an at-fault driver’s insurance limits. In other words, it covers you when the other guy doesn’t have enough or doesn’t have any insurance to pay you for damage repair or your medical bills. If it’s not required where you live, you can always choose to add it for your own protection.
Full Coverage Protection
Helps pay for repairs or to replace your car if it is stolen, vandalized or damaged in some way other than in a collision. Includes loss or damage from fire, flood, falling objects, wind, hail and collision with an animal
Helps pay for repairs to your car for damage caused by an accident.
For only pennies a day, Roadside Assistance covers towing to the nearest qualified repair shop and other basic emergency services. Roadside Assistance will help you change a flat tire, deliver gas, oil or other essential fluids like radiator and brake fluid, jump start your battery and send out a locksmith if you’re locked out of your car.
Rental Car Reimbursement
Get help paying for the cost of renting a car while yours is in the shop being repaired after a covered loss. Rental car reimbursement is a type of loss of use coverage.
Popular Extra Benefits
Every auto policy qualifies for accident forgiveness after a set number of years of accident- and violation-free driving. Talk to your local Safeco agent to find out more.
Remain claim-free and we’ll reduce your collision deductible by $100 with each annual policy renewal, for up to a maximum of $500 or five years.