Esurance Kicks Off Another Summer of Service

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Every day at Esurance, our associates bring ingenuity, drive, and passion to work. Not only do they make insurance surprisingly painless but they also give back to their communities. They’re amazing!

One of our larger volunteer efforts is Summer of Service which runs May through August. Associates across the U.S. dedicate their time to non-profits like food banks, animal shelters, and Big Brother Big Sisters of America.

Here’s a look at what we accomplished in 2018:

By the numbers: what Esurance associates accomplished in 2018.

What started as a small, month-long event has transformed into a summer-long, multi-city effort to do GOOD! We love helping organizations that matter to us. And we’re looking forward to another great Summer of Service in 2019.

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about Alicia

As a Senior Copywriter at Esurance, Alicia spends her days making insurance surprisingly painless! She grew up in Detroit, spent some quality time San Francisco, and currently resides in Chicago with her dog, Pizza. In her free time, she enjoys getting creative in the kitchen or busting a move in Zumba.

Esurance – Uninsured and Underinsured Coverage

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Protection from unprotected motorists

These are 2 of the most important aspects of your car insurance policy. Bodily injury (BI) and property damage (PD) liability coverage can help pay for the medical expenses and damaged property you’re responsible for after an at-fault accident. And if you’re sued for further damages, BI and PD can help cover your legal defense.

quick coverage facts

  • Pays for others’ injuries and property repairs after an at-fault accident
  • The limits you select can raise or lower your premium
  • Legally required in most states

bodily injury liability coverage (for people)

After you’re found at fault in a car accident, your bodily injury liability coverage (BI) can help pay accident-related medical expenses for other drivers and passengers. It can cover an injured third party’s medical fees, lost wages due to missed work, and accident-related pain and suffering. BI can also help pay your legal defense fees if the injured party decides to sue for further damages.

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Is bodily injury coverage required?

In most states, BI is mandatory for licensed drivers who own cars.

Even no-fault states require drivers to have BI on their policies. While personal injury protection (PIP) coverage can pay for the medical care of each driver regardless of fault, each state that requires this coverage has a certain verbal or monetary threshold that, when crossed, allows an injured party to sue for damages. If this happens, BI can help as it would in any other state.

property damage liability coverage (for things)

Now we’ll walk you through the ins and outs of liability’s other half — property damage coverage — and explain how the right amount of protection can help mend those metaphorical (and literal) fences.

What property damage liability coverage entails

Property damage coverage can help pay for other drivers’ and property owners’ expenses after you’re found at fault in an accident. This includes repairing damaged cars or fixing any other property involved, including a fence, house, or porcelain lawn gnome. PD can also help mitigate out-of-pocket legal fees associated with damaged property.

PD, in general, can provide a lot of protection for a modest cost.

What it doesn’t cover is your own car, your garden gnome, or any other property you own. To financially protect these, consider comprehensive and collision coverage (and homeowners or renters insurance for the gnome).

the limitations of the minimum limits

Talking about minimum limits is inherently confusing because we really mean the minimum amount of maximum coverage that’s legally required. Every state (except New Hampshire) has a 3-tiered system for their minimum liability coverage limits, a figure such as 25/50/25:

  • The first number (25) is the amount in thousands the at-fault driver’s insurer will pay for injury-related expenses per person
  • The second number (50) is the total amount in thousands the insurer will pay for injury-related expenses per incident
  • The third number (25) is the amount in thousands the insurer will pay for property damage per incident

When purchasing your liability coverage, you’re only obligated to meet your state’s minimum limit requirements, which vary depending on the state. But the minimum limits may not provide the level of protection you need.

BI limits and the option to split limits

The conventional rule with BI is the same as with any insurance coverage: get as much as you can comfortably afford. After all, a $15,000 per-person limit could cover X-rays and pain medication, but what if a driver or passenger needs surgery and misses weeks of work? Because medical expenses and lost wages can add up quickly, that $15,000 limit might not be enough.

If you do opt for higher-than-required limits and you get in an at-fault accident that causes injuries to another person, you’ll appreciate the enhanced protection higher limits can provide.

PD limits

Let’s say, for instance, you’re a Texan who settles for the minimum liability limits of 30/60/25, which gives you only $25,000 in property damage protection. If you happen to ding your neighbor’s new Bentley or knock a chunk off his newly remodeled kitchen, your property damage coverage may not go as far as you’d like. If the damage is $50,000, you’d be responsible for the other $25,000 out-of-pocket.

Combined single limit

In some states, you have the option of choosing a combined single limit rather than 3 separate limits. The single limit refers to the total amount, per incident, that your liability coverage can pay for medical expenses and property repair or replacement.

how to find the BI and PD liability limits that suit you best

Depending on your situation, the slight cost increase for higher car insurance limits can be well worth the peace of mind they provide.

If you need help figuring out what your limits should be, try our Coverage Counselor® or give us a call at 1-800-ESURANCE (1-800-378-7262). We’re available at these times.

How to save on auto insurance Esurance

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How to save on auto insurance

Insurance does a lot. But it shouldn’t cost a lot. Here are 3 easy ways to save on car insurance with Esurance.*

Switch and save.

Sound easy? It is. Customers who switched to Esurance from GEICO saved $412 on average.** In fact, we literally have a Switch & Save® discount — just for switching to us.

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Drive safely.

Our DriveSense® mobile app gives you a discount based on how you drive. Drive safe. Save money. It makes sense.

Bundle up.

Buying more than one policy from the same insurer is called bundling. When you bundle your home and car insurance with Esurance, you could save up to 10% from the get-go. Not too shabby.

How we make car insurance easy

Car insurance should help you out. Out of a jam, yes — but also with getting a quote, paying your bill, and filing a claim. Check out our tools that un-muddle the muddled.

Compare car insurance quotes

Saving means comparing. And you can do all the comparing you need in minutes.

Photo claims

Snap a few photos of the damage. Get your claim settled in two shakes. Talk about easy.***

Esurance Mobile

Pay a bill. Update coverage. Add a car. Make a claim. What can’t you do with our mobile app?

Esurance what is Comprehensive Insurance

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myth: comprehensive car insurance covers everything

It’s been more than 400 years since the Bard asked, “What’s in a name?” All these years later, Shakespeare’s question remains an excellent one — especially if you ask it about comprehensive car insurance coverage. Here’s a rundown of what comprehensive insurance really does and does not cover.

what is comprehensive insurance?

Comprehensive insurance is an optional auto insurance coverage that protects your car against damage not resulting from a collision, as well as from theft. It covers a wide array of events that can damage your car, including vandalism, fires, and rockslides on twisting mountain roads.

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While comprehensive car insurance does provide extremely valuable protections, towing, rental, and personal property coverages aren’t among them.

But just because it doesn’t cover everything outside of collisions doesn’t mean comprehensive insurance isn’t valuable.

Comprehensive insurance can help you pay for your car’s repair, or even help you replace it entirely in the case of a total loss, due to any of the following:

who needs comprehensive car insurance coverage?

Pretty much all drivers are subject to the risks mentioned above, so the short answer to the question is, “Almost everybody.” Take animal collisions, for example. According to the Insurance Institute for Highway Safety, there are more than 1.5 million deer-vehicle collisions every year, resulting in over $1 billion in vehicle damage — and that’s just deer-vehicle collisions.

If you live in an area prone to car theft and vandalism, you’ll probably sleep easier with comprehensive coverage at your side. Though car theft numbers have steadily decreased over the last several years in the U.S. — actually dipping below 700,000 reported cases in 2013 for the first time since 1967, and remaining at those levels the years following — the odds are still less than encouraging.

Finally, drivers living in areas prone to natural disasters, from the sere hills of California to the vast expanse of the Tornado Belt, may also find comprehensive an important coverage to have.

the cost and the coverage

How much you pay for comprehensive insurance coverage is determined differently than for basic coverages like property damage and personal injury liability. With those coverages, the amount of protection you buy dictates the cost. The cost of comprehensive insurance coverage, on the other hand, varies depending on the deductible you select. The higher the deductible, the less you’ll spend on your premium — but the more you’ll spend out of pocket if you file a claim.

But regardless of your deductible, the amount of coverage comprehensive provides depends on one factor: your car’s actual cash value (ACV). (Unless it’s a collector car, in which case you’ll have the option of establishing an agreed value based on the vehicle’s collectability.)

Actual cash value equals the purchase price of your car minus depreciation and your deductible. So comprehensive coverage will pay an amount up to the actual cash value of your car to either repair or (in the case of a total loss) replace it. If the cost of repairs exceeds your car’s ACV, your car insurance company will declare it a total loss and pay the sum of the car’s ACV to help you replace it — unless you opt to retain salvage (i.e., keep the totaled car), in which case the salvage value will also be deducted from your payout.

the legal lowdown

No states require comprehensive coverage, but those who finance or lease their car will probably find that their lender or lessee requires it. Lenders and lessees are the official owners of the vehicle, so they want to make sure they’re adequately protected in case of an incident. For the same reasons, you’ll rarely be able to buy comprehensive insurance without also purchasing bodily injury liability and collision coverages.

what it doesn’t cover

Despite the name, comprehensive insurance won’t help if you hit an object, require towing or roadside assistance, rent a car, or have personal property stolen from within your vehicle since other coverages exist to protect you in such situations.

Thankfully, car insurance companies offer options to cover all these events and more, including:

  • Collision: which covers the cost of repairing or replacing your car if it collides with another car or object, or rolls over (property damage liability covers damage to other cars/objects)
  • Towing and labor (often called roadside assistance): which can help with towing and some on-site services, including:
    • Tire changing
    • Gas, oil, and water delivery
    • Battery services
    • Lockout services
  • Rental reimbursement: which pays for a rental car if you can’t drive your insured car due to theft or damage

Personal property is usually covered by homeowners or renters insurance.

comprehensive car insurance doesn’t cover it all

But it does cover a lot. If you have any concerns about hitting an animal, theft, vandalism, or glass damage, consider upgrading your policy by adding comprehensive coverage.

Or start your personalized quote today with Esurance if you’re in the market for new auto coverage you can rely on.

Esurance: What to do if your Car is Stolen

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The FBI estimates that a car is stolen every 42.8 seconds. That leaves thousands of drivers scrambling to find or replace their beloved rides every day. We’ll explain how to handle this situation just in case it happens to you.

first, call the police

The sooner, the better. Let the police know everything about your car, including its make and model, VIN, and roughly when and where it was stolen. If you have a tracking device like OnStar® installed, let them know that, too. There’s a chance the device could be used to locate your car before it’s too late.

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Once you’ve filed the police report, hang onto it — it’ll come in handy when it’s time to file your car insurance claim.

report the stolen car to your insurer and your state DMV

After you’ve filed a police report, contact your car insurance company. If you’re an Esurance customer, you can report the stolen car online, on your smartphone, or by calling us anytime at 1-800-ESURANCE (1-800-378-7262). A dedicated claims rep will help you through every step of the claims process.

You can also contact your state’s Department of Motor Vehicles since they maintain a database of stolen cars. If a stolen car is recovered, the DMV often works with the police to identify a car’s rightful owner.

how car insurance can help

In the immediate aftermath, rental car coverage can help pay for a rental car until your actual car is found or considered lost.

If you have comprehensive coverage on your policy, your car insurer can help pay to replace your lost car. The coverage, which is optional unless a loan or finance company requires it, can pay the actual cash value, or ACV, of your car once you’ve paid the deductible.

What about your valuables?

If your tablet, smartphone, or laptop was in your car when it was stolen, your renters insurance or homeowners insurance policy could help pay to replace them.

And if you had installed any high-tech enhancements to the car, like a new sound system, customized parts and equipment coverage can protect the upgrades made to your vehicle before it was stolen or vandalized.

some cause for optimism: the likelihood of recovery

Getting your car back in one piece may seem like a long shot, but stats reflect a surprisingly good chance of stolen cars being recovered. Data from the California Highway Patrol, for example, reveals that of the 171,036 cars reported stolen in 2013, 89.4 percent were recovered.

Esurance Rental Car Coverage

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Accidents, theft, and vandalism can put your car in the repair shop when you least expect it. If your car’s out of commission after a covered incident and you still need to get from A to B, rental car coverage can help.

quick coverage facts

  • Can help cover the cost of a rental car after a covered accident
  • Esurance will reimburse you in most cases
  • If you rent from Enterprise, Esurance will pay them directly
  • Does not insure the rental car itself

the basics of rental car coverage

Rental car coverage (also known as rental car reimbursement) is an optional addition to your Esurance policy. It helps cover the cost of a car rental while your regular ride’s out of commission due to a covered loss, which can be a car accident, theft, or vandalism. It can also reimburse you if your regular car’s in a tow yard or if you need a rental to leave the scene of the accident.

Rental coverage is available to drivers who already have comprehensive and collision coverages on their policies. Depending on the rental duration and the type of rental car you select, your policy may cover most or all of the associated costs. If the rental exceeds your coverage limits, you’ll be responsible for covering the difference.

It’s worth noting that this coverage won’t help pay for non-damage-related rentals, like one you may need on vacation. In addition, it won’t pay for any damage incurred due to a non-covered event, like if your car breaks down in the driveway. Your rental costs can only be reimbursed after you file a claim on the incident that made the rental a necessity.

the advantages of rental car coverage

After an accident, rental car costs can add up — especially if you need the car for a few weeks or longer.

Knowing your car insurance will help pay for the costs of the rental can make a big difference for your wallet and your peace of mind.

How rental car reimbursement works

Say you’re an Esurance customer from California, and you chose rental coverage limits of $25/$750, meaning that Esurance will pay up to $25 per day and up to $750 per incident.

A week after you added this coverage to your policy, you get into a fender bender. Your car’s towed to a shop and your mechanic gives you some bad news: the front panel needs to be replaced and the part won’t arrive for a couple weeks. Suddenly, you’ll need to drive your rental car for much longer than expected.

With rental car coverage, Esurance will pay up to the limits you select to help cover the costs of the rental. If you rent through our preferred company, Enterprise, Esurance will typically pay Enterprise directly. If you choose to go through another company, you’ll most likely need to send in a receipt to be reimbursed.

CarMatch Rental Coverage® is available in 35 states

To get CarMatch, you need to have comprehensive and collision on your policy. Currently this coverage is available to Esurance customers in Alabama, Arizona, Arkansas, Colorado, Florida, Idaho, Illinois, Iowa, Georgia, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Nevada, New Jersey, New Mexico, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Dakota, Utah, Tennessee, Texas, Washington, West Virginia, and Wisconsin. If you add it to your policy and your car goes into the shop or is stolen, CarMatch can cover the cost of a vehicle of a comparable size and body type for up to 45 days or $3,000 — whichever comes first.

If you’re a current Esurance policyholder and have questions about your coverages, call us at 1-800-ESURANCE (1-800-378-7262). Some exclusions will apply.

buying additional car insurance for your rental vehicle

Please note that rental car coverage doesn’t cover any additional insurance you choose to add to your rental. To get a better understanding of your extra insurance options, read our myth-busting page on added rental car insurance.

having a backup plan for your car

If your car’s ever been in the shop, you know easy access to a backup car is crucial. And if you’ve ever rented a vehicle, you know that the costs can really add up.

Rental car coverage can dramatically cut your expenses and provide you with a convenient mode of transportation at a time when you need it most. If you’d like to add it to your policy, log into your account online.

If you’re shopping for a new car insurance policy that features this coverage, start a personalized quote here.

Esurance Comprehensive and collision

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Comprehensive and collision are 2 coverages that work hand in hand to cover a range of mishaps and help pay to repair (or replace) your car. But how do these coverages work exactly? And do you really need both on your car insurance policy?

quick coverage facts

  • Comprehensive helps cover you for damages not caused by collisions (except collisions with animals)
  • Collision can help cover you if you hit another car or object
  • Combined, comp and collision can help repair or replace your car for a wide range of damages
  • You can choose your deductibles, which will typically impact your premium
  • Your coverage limit is equal to the actual cash value of your car
  • Comprehensive is required before you can add collision coverage

comprehensive coverage defined

Comprehensive coverage, known as “other than collision” coverage in Virginia, is an optional car insurance coverage designed to pay for certain repairs that aren’t related to collisions.

Though comprehensive, sometimes referred to as “comp,” isn’t legally mandatory, your finance or leasing company might require you to add this coverage if you’re financing or leasing your car. Think of it as insurance for the company’s property.

What comprehensive covers

There are 6 general events that comprehensive coverage is designed to protect you from:

  • Fire
  • Natural disasters
  • Falling objects
  • Vandalism
  • Theft
  • Hitting a deer or another animal

How it works

Comprehensive coverage typically pays for repairs after any of these events (after you pay your deductible) as long as the cost doesn’t exceed your car’s actual cash value. Actual cash value is defined as your car’s original purchase price minus depreciation.

If your car needs to be replaced, you’re generally reimbursed for your car’s actual cash value minus your comprehensive deductible.

The higher you set your deductible, the less you can expect to pay on your premium, but the more you’ll pay out-of-pocket in the event of a claim.

collision coverage defined

Collision coverage helps pay repair or replacement costs if your car crashes into an object or another car, or if it rolled over. This coverage is designed to fix up or replace your own car after a collision.

Property damage liability coverage is the coverage that pays for damage to the other driver’s car.

How it works

Esurance customers will need to spring for comprehensive coverage before adding collision coverage. You can have comprehensive and not collision on your policy, just not the other way around.

If you lease or finance your car, collision may be required by your leasing or financing company.

Like comprehensive coverage, collision coverage will pay for damages to your car as long as they don’t exceed the car’s actual cash value. When your car’s actual cash value is exceeded by the repair costs, your car may be declared a total loss.

As noted above, the higher your deductible, the lower your premium but the more you’ll owe out of your own wallet if you make a claim.

Collision deductible waivers

If you’re struck by an uninsured driver, a collision deductible waiver can pay your collision deductible. In states where it’s available, you’re required to buy a collision deductible waiver in conjunction with your collision coverage.

comprehensive and collision coverage combined

Birds of a feather flock together, and that’s certainly the case with these 2 car-protecting coverages. Policies that combine liability with comprehensive and collision coverage are often referred to as “full coverage” policies because of the breadth of insurance coverage provided.

If you’re an Esurance policyholder and have questions regarding your comprehensive or collision coverage or would like to add these coverages, give us a call at 1-800-ESURANCE (1-800-378-7262) or log into your policy.

If you’re not a customer but you’re shopping for a new insurance company, start your personalized quote any time.

Esurance emergency roadside assistance

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Emergency roadside assistance is just that — designed to protect you in case of any unforeseen roadside emergencies. For just a few dollars a month, you can rest assured you’ll never be left stranded.

what is emergency roadside assistance?

Emergency roadside assistance, or towing and labor coverage as it’s called in certain states, can pay up to $75 towards roadside services if a breakdown leaves you stranded on the side of the road.

Emergency roadside assistance (aka towing and labor) can cover:

  • Towing assistance
  • Flat tire changes
  • Gas, oil, and water delivery
  • Battery service (jump-start)
  • Lockout service

how emergency roadside assistance works

When you sign up for car insurance from Esurance, you can choose to add emergency roadside assistance for each vehicle on your policy. To add this coverage to your Esurance policy, you need to have comprehensive and collision coverage. Unlike some roadside emergency services, emergency roadside assistance is vehicle-specific. That means it follows the car instead of the driver — aka you.

how to use emergency roadside assistance

There are 2 easy ways to access emergency roadside assistance:

  • Just log into Esurance Mobile, then select Roadside Assistance in the menu. Enter a few details and request help from a local provider. Once they’re on the way, we’ll give you an ETA – and you can follow their progress in real time on a map.
  • Or call 1-888-374-6472. From there, we’ll help arrange a tow or send someone to get your car moving again.

If you decide to call a different towing service, Esurance will reimburse you (up to your coverage limits, of course). Just send us your receipt and we’ll get right on it.

what if i don’t have emergency roadside assistance?

Here’s the best news! Even if you don’t have emergency roadside assistance on your policy, Esurance can still help you out of a jam. That’s right. We also offer pay-as-you-go emergency roadside assistance at competitive per-incident rates.

  • Just call 1-844-772-3787 and let Esurance help you get back on the road. Quick!

add emergency roadside assistance to your policy

If you’d like to add emergency roadside assistance to your policy, simply log into your policy or call us at 1-800-ESURANCE (1-800-378-7262).

Esurance Personal injury protection

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Personal injury protection is a complex coverage available (or required) in certain states. In general, PIP can help pay for post-accident medical expenses regardless of who caused the crash.

what is PIP coverage?

Personal injury protection, also known as PIP coverage, is a component of auto insurance that covers medical expenses regardless of who’s at fault, and often includes lost wages. Depending on the state in which you live, PIP may be an available option, or a required policy add-on.

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what personal injury protection covers

PIP offers vital protection from costly medical expenses after an accident. Because it’s such an important coverage, check the specifics of your health insurance plan and work-loss coverage, if you have these, to determine how much PIP coverage to add to your car insurance policy. Check to see how your health plan, in particular, handles expenses after a car accident.

Personal injury protection coverage is available only in certain states. Though the specifics can vary greatly by state, PIP generally covers you, drivers listed on your policy, and your passengers.

In case of an accident-related injury, personal injury protection can cover:

  • Medical expenses: medical and surgical treatment, dental and optometric treatment, ambulance and nursing services, medication, medical supplies, and prosthetic devices
  • Lost wages (in some cases): if you or your passengers are unable to work due to accident-related injuries, PIP can help you recover lost wages
  • Substitute services (in some cases): if accident-related injuries keep you or those covered from performing household tasks, like cleaning, PIP helps pay for substitute services, like a cleaning crew
  • Funeral expenses (in some cases): if accident-related injuries result in death, PIP can help pay for funeral expenses

setting the limits of your personal injury protection

If you and family members in your household already have health insurance with excellent post-accident benefits, the lowest legally required PIP limits may be sufficient. If you’d like the additional protection that PIP can provide, like lost wages and substitute services expenses, you can always increase your limits to meet your specific needs.

On the other hand, if you and your family members don’t have health insurance or have a plan that doesn’t offer all the benefits of PIP, it might be in your best interest to get as much PIP coverage as you can comfortably afford. Consider the financial impact of an injury-causing car accident when deciding on your PIP limits.

How personal injury protection differs from bodily injury liability

Even where PIP is required, drivers still need to have bodily injury liability on their car insurance policies.

Generally speaking, liability coverage only kicks in if another driver successfully sues for damages or certain state-defined damage thresholds are exceeded. PIP is for you and your passengers; liability is for damages you cause.

adding or adjusting your PIP coverage

If you’re an Esurance customer, you can adjust your PIP limits by logging into your account or by giving us a call at 1-800-ESURANCE (1-800-378-7262). Given the complicated nature of this coverage, the expert, human touch can come in handy.

If you’re in the market for a new car insurance policy, you can start your free quote here.

Esurance types of car insurance coverage

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One of the most important (and trickiest) parts of buying car insurance is deciding what types of coverage to get. Check out the number of ways an Esurance policy can help protect you and your car below — and let CoverageMyWay® help you personalize your coverage options.

coverage options for your policy

Generally speaking, auto coverages break down into 3 distinct categories: liability, vehicle-based, and medical. While some are required and some are optional, all are extremely valuable protections that can help financially safeguard you. Here are the main types of auto insurance coverage you can choose.

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Medical coverages for drivers

Medical coverages are designed to pay for the medical care of you and your passengers after an accident.

Medical payments coverage, also known as medical and funeral services payments, can help cover accident-related medical expenses (including funeral expenses) for you, other drivers on your policy, and passengers. It can also offer coverage if you’re struck by a car as a pedestrian or cyclist.

Personal injury protection can help cover medical expenses for you and your passengers after an accident, regardless of fault. Offered (or required) in no-fault states, PIP is a complex coverage that varies widely by state. In general, it covers hospitalization, rehabilitation, other medical expenses, and (sometimes) lost wages up to the limits you select.

No-fault states restrict what drivers can and can’t legally recoup from other drivers after an accident. In these states, you (and your insurer) are responsible for your own medical expenses up to a state-specific threshold.

Coverages that protect your vehicle

When your car stops running, so does your daily routine. That’s why Esurance offers a slew of vehicle-based coverage options designed to help get your car or truck back on the road after an accident.

This coverage is for all those unpredictable elements that spring up on the road or in your driveway. Comprehensive coverage, also known as “comp” or “other than collision,” can help pay for repairs (or replacement, if your car’s totaled) after your car’s damaged by a natural disaster, vandalism, theft, fire, or a falling tree branch.

Collision coverage, together with comprehensive coverage, is a key component of what’s often referred to as “full coverage.” While your property damage coverage helps others repair their cars, collision is there to assist you. If you’ve caused an accident, collision helps to either repair damage or replace damaged parts of your car.

Comprehensive and collision coverages are not state-mandated coverages, but they may be required by a loan or leasing company.

While no one can doubt the importance of collision and comprehensive coverages, none of them spring into action until the car gets to a repair shop. In the meantime, there’s still the matter of towing and other roadside service fees, which can rack up in a hurry. This is where emergency roadside service comes in.

ERS (called towing and labor coverage in some states) can be purchased on policies that have comprehensive and collision coverages. It can be a big lift to those marooned by mechanical failure or in need of maintenance like tire changes, gas fill-ups, battery jumps, etc.

This coverage reimburses you for the cost of your rental car if your insured vehicle is in the shop or is unavailable due to an accident. You need to have comprehensive and collision on your policy in order to add rental car coverage. In certain states, Esurance offers CarMatch Rental Coverage®, which covers the rental cost of a vehicle comparable in size and body type to your regular ride.

We all know that a car’s value depreciates over time. But if you financed or leased a vehicle and have an accident that’s declared a total loss, you might end up owing more to your financing or leasing company than the car is worth.

This is where loan/lease gap insurance can be a real saver.

Insurers don’t determine your actual cash value (ACV) settlement based on what you owe, but rather on what the car is worth just prior to the accident. Let’s say you owe $20,000 on your new Mini Cooper, but your car is now only worth about $16,000. If your car is totaled, you might get a settlement check of $16,000 but still owe an additional $4,000 on your loan or lease.

Loan/lease gap insurance (as its name suggests) helps bridge this divide between the ACV and what you still owe.