Liability Coverage
Covers bodily injury and property damage caused to others in an at-fault accident. This forms the required base layer of every state-legal auto policy.
Each plan type explained in plain terms, with adjustable limits and add-ons that activate only when chosen.
GoAutoPolicy breaks auto insurance into six distinct categories. Each one carries a plain-language summary so the boundary between covered and not-covered is visible before a policy is selected.
Covers bodily injury and property damage caused to others in an at-fault accident. This forms the required base layer of every state-legal auto policy.
Repairs the insured vehicle after impact events and covers non-collision losses including hail, fire, theft, and falling objects across all seasons.
Provides coverage when the other driver carries no policy or insufficient limits. Applies to both bodily injury and property damage resulting from the incident.
Pays qualified medical expenses for the driver and listed passengers after a covered accident, regardless of which party was determined at fault.
Handles roadside emergencies including towing, battery jumps, and lockouts. Adds a rental vehicle allowance while the insured car undergoes covered repairs.
Replaces a recently purchased vehicle at current market purchase value rather than depreciated book value if it is declared a total loss.
Financed or newer cars benefit from full collision and comprehensive. Older vehicles may not need it.
Liability limits vary by state. Higher limits reduce out-of-pocket exposure on larger at-fault claims.
High-mileage drivers benefit more from roadside and medical payments add-ons than occasional drivers.
Uninsured motorist coverage steps in when the other driver carries no active policy at the time of the incident.
