Uninsured/Underinsured Motorists (UM/UIM) Coverage
helps protect you from incurring unwanted expenses due to an accident in which the driver at fault has either no insurance or insufficient coverage.
is normally required if you are still paying off your vehicle, and covers the cost of damage or replacement due to a collision or rollover.Comprehensive Physical Damage Coverage
is also normally required on financed vehicles, and covers repair costs for damage due to theft, fire, vandalism, flooding, hail or other perils (but not damage by collision or rollover).Rental Reimbursement
pays a limited amount for the cost of renting a car while yours is being repaired.Towing and Labor
covers the services portion of roadside assistance needs. The delivery of gas, oil or a battery is covered, but not the cost of these items. If you lock the keys in the vehicle or need a tire changed, this may also be covered. Before subscribing to this coverage, make sure that you do not already have coverage through an auto club membership.