Automobile Insurance
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Features & Benefits
Great Insurance at a Great Price
Auto insurance from The Hartford offers more than great savings. Our car insurance is designed to keep your life moving. That's why we offer innovative features and benefits not found with other automobile insurance providers. Talk to your agent today about a free, no-obligation auto insurance quote from The Hartford - and find out how you could be getting so much more out of your car insurance by switching to The Hartford.
Not all features and benefits are available in all states.
RecoverCare
Even when you're injured in a car accident, the rest of life doesn't stop. That's why with our auto insurance coverage, we help pay for you to get assistance with cooking, cleaning, shopping, transportation and even yard work if you need it.
Lifetime Car Repair Guarantee
Get service you can rely on. If you choose one of the more than 1,600 authorized auto repair shops in our Hartford-approved network, we provide a nationwide guarantee on the workmanship of covered repairs for as long as you own or lease your vehicle.
No-Drop Promise
With The Hartford, once you become an automobile insurance policyholder, you're assured continued car insurance coverage as long as you're able to drive and meet a few simple requirements.†
24/7 Insurance Claim Hotline
Car accidents and breakdowns don't just happen during business hours. Our auto insurance claim experts are available for you anytime, day and night, to escalate your problem and get you back on the road.
Car Replacement
If you experience a total loss of a new car within the first 15 months or 15,000 miles after you purchased it, we'll pay the replacement cost of a new vehicle-the same make, model and equipment-with no deduction for depreciation.
Auto Insurance Upgrade Features
In addition to all the standard features we provide, talk to your agent about getting a quote with our Advantage Plus package that offers these additional benefits:
First Accident Forgiveness
If you qualify for this benefit and you have a car accident, it won't count against you, and your auto insurance rates won't go up because of it.††
Disappearing Deductible
Maintain a clean driving record, and we'll reduce your auto insurance collision deductible by $150.†††
Waiver of Deductible for a Not At Fault Accident
If a collision loss is not your fault, then why should you have to pay your auto insurance deductible?
$100 Deductible Waiver for Choosing to Use an Approved Repair Shop
Take your car to one of our authorized auto repair shops and we'll waive $100 of your auto insurance collision deductible.
RESCUE 1-800 Emergency Roadside Assistance
Peace of Mind Protection 24/7, whether you’re stranded thousands of miles from home – or right in your own driveway. As a policyholder you are automatically enrolled with no membership fee. Services include jump-start a dead battery, gasoline to get you going, fix a flat tire and unlock a door. Charges depend on your towing and labor coverage.
Note: Depending on your state, not all features and benefits will be included in your car insurance quote.
† Your policy will not be non-renewed because of the number of traffic convictions or accidents you or any operator may have during the policy period. This promise does not apply if any operator is convicted of operating a vehicle under the influence of drugs or alcohol, if an operator has a driver's license suspension or if you fail to provide us, if requested, a physician's certification of fitness to drive. PLEASE SEE ENDORSEMENT FOR ALL PROVISIONS.
†† Availability and benefit levels vary by state.
††† Some benefits, including First Accident Forgiveness and the Disappearing Deductible are only available with the optional Advantage Plus package. To qualify for these two benefits, all drivers on the policy must have a clean record (no accidents or violations) for five consecutive years (in most states). For the Disappearing Collision Deductible, these five years must include a period of three consecutive years as a policyholder in this Hartford auto insurance program, commencing after the effective date of the policy issued through this offer. Availability varies by state.
Coverage Basics
Auto Insurance Coverage
Auto insurance coverage may seem confusing - but we try to keep things as straight forward as possible. And your agent is always available to work with you to determine the appropriate car insurance coverage for your needs.
Below is an overview of the kinds of auto insurance coverage we offer and how they protect you. To determine the best coverage for you, contact your agent today.
Not all coverages are available in all states.
Bodily Injury Protection
Bodily Injury Protection 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 auto insurance 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.
Determining Your Limits
Liability protects you if you are at fault in an accident. If your car insurance coverage doesn't carry enough liability, you could be sued for your personal assets: your home, savings, investments, or income. When you're determining how much car insurance coverage is appropriate for you, it's important to consider all the assets you want to protect.
For additional help, contact your agent today.
Property Damage Liability
Property Damage Liability covers you against financial loss if you are found liable for damage to other people's property (e.g. light poles, fences, another vehicle, etc.) caused by your auto.
Determining Your Limits
Liability protects you if you are at fault in an accident. If your car insurance coverage doesn't carry enough liability, you could be sued for your personal assets: your home, savings, investments, or income. When you're determining how much car insurance coverage is appropriate for you, it's important to consider all the assets you want to protect.
For additional help, contact your agent today.
Uninsured Motorist Bodily Injury
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.
Determining Your Limits
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're injured-as you would for others.
Uninsured Motorist Property Damage
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.
Determining Your Limits
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.
Underinsured Motorists
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.
Determining Your Limits
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're injured-as you would for others.
Personal Injury Protection (No-Fault)
This auto insurance coverage 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 does not cover damage to a car, or to any other property. Coverage is provided on a per-person, per-occurrence basis.
Medical Payments
This auto insurance coverage pays reasonable and necessary medical expenses, up to the selected limits, directly resulting from an auto accident. This may include medical care, recovery, rehabilitation and remedial care, as outlined in your policy. Coverage varies by state.
Collision
Collision coverage pays for damage to your covered vehicle (up to its 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 car insurance coverage is available only if you carry Comprehensive coverage.
Determining Your Limits
Recommended for vehicles seven 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.
Comprehensive
Comprehensive coverage 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.
Determining Your Limits
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 auto insurance coverage by choosing a higher deductible.
Full Glass
This car insurance coverage 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.
Towing & Labor
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.)
Rental Reimbursement
If your car becomes inoperable due to a covered loss and you need to rent a substitute, this auto insurance coverage pays the cost of the rental car up to your policy limits.
This coverage is available only if you carry Comprehensive and Collision coverage.
Coverage Basics
Ways to Save
Affordable Car Insurance
Affordable car insurance may seem impossible without sacrificing quality coverage, but not at The Hartford. We offer exceptional coverage, features and services, all wrapped into one affordable car insurance package. Plus, our many available credits and discounts can make your car insurance policy even more affordable.
Availability to each of these credits or auto insurance discounts may vary by state or policy plan.
Defensive Driver Credit
If you've completed an approved defensive driver course, you're eligible for an auto insurance discount from us for the next three full years. Just provide your agent with a copy of your certificate, and he or she will work with us to get the appropriate credit.
Home Insurance & Auto Insurance Bundle
Bundling your auto insurance coverage with your home insurance coverage just might save you a bundle. If you have homeowners insurance, condo insurance, or renters insurance with The Hartford, as well as auto insurance, you can save significantly on both.
Driver Training Credit
Receive a credit on your premium for drivers under 21 years old who successfully complete an approved training course.
(In Georgia this discount applies to drivers under 25 years old.)
Good Student Driver Credit
Get a credit for full-time student under the age of 25 who owns or operates a vehicle insured by The Hartford and qualifies as a good student.†
Air Bags Discount
We care about your safety. That's why our auto insurance has a discount for cars with automatic air bags. If your car is equipped with more than one air bag, you save even more.
Anti-Theft Device Discount
We reward you for making your car harder to steal. If you have active or passive anti-theft devices on your car, it can save you money on your Comprehensive coverage.
† The owner or operator is at least 16 years of age and a full time student in: high school, or college or university, or vocational technical school. A certified statement from a school official is presented to the company on each anniversary date indicating that the student has met one of the following requirements during the immediately preceding school semester: is in the upper 20% of his/her class scholastically, or maintains a "B" average, or its equivalent. If the letter grading system cannot be averaged then no grade can be below "B", or must have at least a 3 in a 4, 3, 2, 1, point system or its equivalent, or student is included in a "Dean's List", "Honor Roll" or comparable list indicating scholastic achievement.
LONDON GENERAL INSURANCE AGENCY
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