| Text Size: |  |
 |
|
 |
|
 |
The AARP Auto & Home Insurance Program from The Hartford offers AARP members exceptional coverage at great rates.
With the AARP Auto Insurance Program from The Hartford, you have a variety of car insurance coverage options to fit your unique needs. The information in this section gives you an overview of each type of coverage offered for your auto insurance policy. For more information regarding auto insurance coverage, feel free to call us at 1-888-808-5254.
Not all coverages are available in all states.
Protects you against financial loss when you are held legally responsible for an automobile accident causing injury or death to someone else. This auto insurance coverage also includes the legal costs involved in your defense for a covered suit as well as court costs and bail bond expenses.
The coverage amount is a "Split Limit," such as $100,000/$300,000. The first figure is the maximum limit provided for one injured person. The second figure is the limit provided for two or more persons in any one accident or occurrence.
Liability protects you if you are at fault in an accident. If you don't carry enough liability, you may be sued for your personal assets -- your home, savings, investments, or income. When determining how much car insurance coverage is appropriate for you, consider all the assets you want to protect. For additional help, you can use our Online Auto Insurance Coverage Guide or call our knowledgeable insurance professionals.
Covers you against financial loss if you are found liable for damage caused by your auto, to other people’s property. (e.g. light poles, fences, another vehicle, etc.)
Liability protects you if you are at fault in an accident. If you don't carry enough liability, you may be sued for your personal assets -- your home, savings, investments, or income. When determining how much auto insurance coverage is appropriate for you, consider all the assets you want to protect. For additional help, you can use our Online Auto Insurance Coverage Guide or call our knowledgeable insurance professionals.
This auto insurance coverage pays bodily injury or death expenses for you and any passengers in your vehicle up to your policy limits if you're struck by a driver who doesn’t have insurance, or if you’re struck by a “hit-and-run” driver that you cannot identify.
Generally, your Uninsured Motorist coverage should be equal to your Bodily Injury Liability, so that you provide the same level of coverage for yourself – if you are injured – as you would for others.
This car insurance coverage pays for damage to your vehicle when it is struck by an uninsured driver, a hit-and-run driver, or an insured driver whose Property Damage Liability limit is inadequate to cover the property damage losses incurred.
Consider a limit of liability that will be sufficient to cover your vehicle and/or its contents in the event that you are in an accident with a hit-and-run driver, a driver with no auto insurance coverage, or a driver who has some coverage but not enough to cover the damage to your vehicle.
This car insurance coverage pays benefits for the bodily injury or death of you and any passengers in your car if you are involved in an accident caused by a driver who has some insurance, but not enough to cover the losses that result from the accident.
Generally, your Underinsured Motorist coverage should be equal to your Bodily Injury Liability, so that you provide the same level of coverage for yourself – if you are injured -- as you would for others.
Pays benefits for the cost of personal injuries resulting from an automobile accident. Coverage applies without regard to who was at fault in the accident. It applies only to injuries, and it does not cover damage to a car, or to any other property. Coverage is provided on a per person - per occurrence basis.
This auto insurance coverage pays reasonable and necessary medical expenses directly resulting from an auto accident up to the selected limits. This may include medical care, recovery, rehabilitation and remedial care, as outlined in your policy. Coverage varies by state.
Pays for damage to your covered vehicle (up to actual cash value), less the deductible amount, for losses caused by collision. Collision means contact with a physical object, such as another vehicle or a structure.
If you plan to purchase Collision coverage, selecting a higher deductible generally helps to reduce the cost of your insurance.
This coverage is available only if you carry Comprehensive coverage.
Recommended for vehicles 7 years old and newer with a deductible that is financially comfortable for you. Keep in mind you may be able to lower the cost of your coverage by choosing a higher deductible.
Pays for damage to your covered vehicle (up to actual cash value), less the deductible amount, as a result of damage caused by events such as: fire, theft, glass breakage, riot, windstorm and hail.
If you plan to purchase Comprehensive auto insurance coverage, selecting a higher deductible generally helps to reduce the cost of your insurance.
Comprehensive is often required when your car is financed or leased.
Recommended for vehicles 10 years old and newer with a deductible that is financially comfortable for you. Keep in mind you may be able to lower the cost of your coverage by choosing a higher deductible.
Pays the amount of a covered glass loss with no deductible. This full glass coverage is optional and can be purchased for an additional premium.
This car insurance coverage pays up to the selected limit for towing of your covered vehicle when it is inoperable, whether or not there is an accident involved. (Note: You must also select Comprehensive coverage to obtain this coverage.)
As an AARP member, you can save even more by bundling your homeowners insurance with your car insurance policy.
