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Coverage Options

From daily commutes to rideshare shifts and collector cars, every plan is built to match the vehicle and the road it travels.

What Is Available

Plans for Every Kind of Driver

Six distinct coverage categories cover the full range of driving situations. Each plan is matched to specific vehicle types and use cases so nothing essential gets left out.

01
Personal Auto

Designed for everyday drivers covering daily commutes, errands, and personal vehicle use. Includes standard liability protection alongside collision coverage to handle the common incidents that happen on regular roads.

Liability Collision Daily Driving
02
Rideshare Coverage

Built for drivers active on rideshare platforms who face a coverage gap between personal auto policies and the app's own protection. This plan fills that window so no shift goes unprotected.

Gap Coverage App-Period Rideshare
03
Classic and Collector

Agreed-value specialty plans for restored, vintage, and collector vehicles. Coverage is calculated on the vehicle's actual agreed value rather than a depreciated market rate, protecting what the car is genuinely worth.

Agreed Value Vintage Specialty
04
Comprehensive

Covers incidents that occur outside of a collision - hail, flooding, fire, falling objects, theft, and other non-impact damage. Particularly valuable in areas prone to severe weather events.

Weather Theft Non-Collision
05
Uninsured Motorist

Steps in when the at-fault driver carries no insurance or insufficient coverage to pay for injuries and vehicle damage. Protects against a situation that is more common on public roads than most drivers expect.

UM Protection UIM Coverage Injury
06
Roadside Assistance

Provides on-the-road support for towing, battery jumps, flat tire changes, fuel delivery, and lockout help. Available as an add-on to most plans for drivers who want backup no matter where they end up.

Towing Battery Jump Lockout
Why It Matters

Protection Built for Real Driving

01

Coverage That Reflects Actual Risk

Every driver faces a different combination of risks depending on vehicle type, daily mileage, and road conditions. Plans matched to those specifics provide meaningful protection rather than generic minimums that leave gaps when they matter most.

02

Terms Written to Be Read

Insurance documents are known for complexity, but coverage terms here are presented in plain language. Each policy outlines exactly what is included, where the limits apply, and what steps to take when a claim needs to be filed.

03

Support Available When It Counts

Guidance on claims, renewals, and policy updates is available throughout the coverage period, not just at the point of sale. Drivers can get clear answers to questions whenever something unexpected happens on the road.

Common Questions

Coverage Questions Answered

What is the difference between comprehensive and collision coverage?
Collision coverage pays for damage to the insured vehicle caused by a collision with another car or object. Comprehensive coverage addresses damage from events that are not collisions, such as hail, flooding, vehicle theft, or a tree branch falling onto the car. Many drivers carry both types as they protect against different categories of loss.
Is rideshare coverage separate from a standard personal auto plan?
Standard personal auto policies typically do not extend coverage when a driver is logged into a rideshare app and waiting for a ride request. Rideshare coverage is designed specifically to fill that window. Without it, drivers may be operating in a gap where neither their personal policy nor the platform's coverage applies.
How is an agreed-value plan different from a standard plan for a classic vehicle?
Standard auto policies pay claims based on the vehicle's current market value at the time of loss, which accounts for depreciation. An agreed-value plan sets a fixed payout amount upfront that reflects the vehicle's actual worth as a collector or restored car. For a vintage vehicle that has appreciated over time, this distinction makes a significant difference in what a claim covers.
When does uninsured motorist coverage apply?
Uninsured motorist coverage activates when the driver responsible for an accident either has no auto insurance at all or carries limits too low to cover the full cost of injuries and vehicle damage. In states where carrying insurance is not consistently enforced, this type of coverage provides a practical safety net for situations that are largely outside the insured driver's control.
Can roadside assistance be added to an existing policy?
Roadside assistance is available as an add-on to most CoverWayAuto plans. It does not require a separate policy and is typically activated at the time of plan selection. Coverage includes towing, battery jump-starts, flat tire assistance, fuel delivery, and lockout help, available for incidents that occur on public roads during the coverage period.

Find the Right Plan for Your Drive

Getting matched to the right coverage takes only a few minutes. Start with basic vehicle information and review options suited to the way the vehicle is actually used.

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