Class A, Class B & Class C Vehicles
The law requires vehicles to have liability insurance while being driven on the road in most states. Full coverage can be optional based on whether you have the vehicle financed, but just because full coverage is optional does not mean you should necessarily opt out.
What Does Liability Insurance Cover?
- Damage to property of others
- Bodily injury to others
- Lawsuits arising from an accident
- Liability claims from visitors
The amount of these costs covered by your liability insurance depends on the limits you set when you buy your policy.
Be happy you are covered!
Physical Damage
- Covers physical damage or theft of your vehicle.
Full-Timer
- Provides liability protection similar to a homeowners policy for individuals using their vehicle as a primary residence.
- Covers the vehicle when parked and used as a residence.
Pet Injury Coverage
- Covers vet fees for an injury to an animal or replacement costs for death.
Total Loss Replacement
- Pays to replace your vehicle in the event of a total loss. Typically available for brand-new vehicles that have never had a previous owner.
Towing and Roadside Assistance
- Available 24 hours a day, 365 days a year, throughout the United States and Canada.
- “Sign & Drive” service – no out-of-pocket expense for services up to the coverage limit.
- Eliminates the need to purchase a separate towing package.
Personal Property Coverage
- Higher limits available.
- Covers items inside your vehicle and 20% of the personal property limit for items outside the vehicle.
Accessories Coverage
- Automatically included!
- Covers attachments such as roof racks, custom parts, and audio systems.
Emergency Expense Allowance
- Pays for lodging or travel expenses if your vehicle is damaged or destroyed by a covered loss more than 50 miles from home.
- Optional in standard programs.