Road Cover Pro
Understand Your Auto Insurance Coverage
Learn what each type of coverage does and what to ask before you choose, then review your options with a licensed agent.
Auto Coverage Types at a Glance
A quick overview of what common auto insurance coverages are designed to do. Coverage rules, limits, and exclusions vary by state and policy.
Liability
Pays for injuries and property damage you cause to others, up to your policy limits. Nearly every state requires a minimum.
Collision
Helps pay to repair or replace your car after a crash with another vehicle or an object, after your deductible.
Comprehensive
Helps with losses that are not crashes, such as theft, vandalism, fire, hail, flooding, or hitting an animal.
Uninsured and Underinsured Motorist
Can help when an at-fault driver has no insurance or too little. Requirements and details vary by state.
Medical Payments or PIP
Can help with medical costs for you and your passengers after an accident. Personal injury protection is required in some states.
Optional Add-Ons
Options such as rental reimbursement, roadside assistance, and gap coverage. Availability and terms vary by insurer.
How It Works
From learning the basics to reviewing your options with a licensed agent.
Learn the Basics
Read our plain-language guides to see what each type of coverage does and what to ask.
Share Your Situation
Call or answer a few quick questions about your vehicle and driving needs.
Talk With a Licensed Agent
You may be connected with a licensed agent in our partner network who can review the options available in your state.
Decide What Fits
Compare coverage, limits, and deductibles at your own pace. There is no obligation to buy.
Want to Review Your Coverage Options?
Submit your information and a licensed agent partner may contact you to walk through the options available in your state. No obligation.
Auto Coverage FAQs
Common questions about auto insurance coverage and how this service works.
Is Road Cover Pro an insurance company?
No. Road Cover Pro is an advertising and marketing referral service. It is not an insurance company, broker, or licensed agent, and it does not underwrite policies or set rates. When you submit the form, you may be connected with a licensed insurance agent or provider who can review auto coverage options with you.
Does it cost anything to use Road Cover Pro?
No. Submitting your information and speaking with a licensed agent costs you nothing and carries no obligation to buy. Road Cover Pro may receive compensation from its agent and provider partners for referrals.
What does liability coverage pay for?
Liability coverage pays for injuries and property damage you cause to other people in an at-fault accident, up to your policy limits. It does not pay for your own car or your own injuries. Nearly every state requires drivers to carry some minimum liability coverage (New Hampshire is the main exception, with its own financial-responsibility rules), and the minimums differ by state.
What is the difference between collision and comprehensive coverage?
Collision helps pay to repair or replace your car after a crash with another vehicle or an object. Comprehensive helps with losses that are not crashes, such as theft, vandalism, fire, hail, flooding, or hitting an animal. Both usually carry a deductible, and lenders often require them on financed or leased cars.
What is uninsured and underinsured motorist coverage?
It can help pay your costs when an at-fault driver has no insurance, or not enough to cover your losses. Whether it is required, what it includes, and how it works varies by state and by insurer, so it is worth asking an agent how it applies where you live.
What should I check before I choose a policy?
Look beyond the price. Compare coverage limits, deductibles, exclusions, and what each optional add-on, such as rental reimbursement or roadside assistance, actually includes. A licensed agent can explain how these apply in your state and for your vehicle.
What happens after I submit my information?
You may be contacted by phone, email, or text by a licensed insurance agent or provider in our partner network. They can review the options available in your area and answer your questions. Consent to be contacted is not a condition of purchasing any product or service.
About Road Cover Pro
Road Cover Pro is an advertising and marketing referral service. It publishes plain-language guides to auto insurance coverage and connects consumers with licensed agents who can review the options available in their state. It does not sell insurance, underwrite policies, or set rates.