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The 60-Second Coverage Wizard
Not sure which car insurance coverages you need? Answer a few questions and watch the magic happen.
First, an easy question:
Do you have a vehicle?
You need Liability Coverage.
Everyone does—it’s the law. Liability insurance protects other people and their property when you cause the damage. It includes Bodily Injury coverage and Property Damage coverage.
No vehicle? You probably don't need car insurance.
Need car insurance to drive a car that doesn't belong to you? You need a specialty policy called Non-Owners Insurance. (Unfortunately, we don't sell it.)
Let’s say your car was damaged by a storm or by an accident you caused. Do you want your insurance to help pay to repair or replace it?
You chose Comprehensive/Collision coverage.
Good call! It’ll help pay to repair or replace your vehicle in a bunch of unpleasant circumstances, like theft, storm damage, or an at-fault accident. (You’re in good company, too. Most people add this to their policy.)
Okay. Are you currently making payments on your vehicle?
You’re likely required to purchase Comprehensive/Collision coverage. It’s mandatory for financed cars.
(Comprehensive/Collision coverage pays to repair or replace your vehicle in a bunch of unpleasant circumstances, like theft, storm damage, or an at-fault accident. Most drivers purchase it.)
Got it. We won’t add Comprehensive/Collision to your list for now.
Consider it for the future, though! It’s a useful coverage that helps to repair or replace your vehicle in a bunch of unpleasant circumstances, like theft, storm damage, or an at-fault accident.
Do you want your car insurance to cover your medical bills, no matter who caused the accident?
Good choice!
Uninsured/Underinsured Motorists Bodily Injury coverage help you pay your medical expenses if you’re in an accident caused by someone who either isn’t insured or doesn’t have enough insurance to cover your bills. (1 in 8 US drivers is uninsured!)
Medical Payments and Personal Injury Protection are coverages that help cover your medical expenses after an accident—even if you're at fault.
Okay, we won’t add Medical Payments (or similar Personal Injury Protection) or Uninsured/Underinsured Motorist Bodily Injury to your list for now.
Keep in mind that if you don’t get these coverages, you’ll need to pay for all your post-accident medical bills some other way—either out-of-pocket or through your personal health insurance.
No problem. We’ll help you think it through.
Do you have a health insurance policy that covers auto accidents and has a low deductible?
Keep in mind that if you don’t get these coverages, you’ll need to pay for all your post-accident medical bills some other way—either out-of-pocket or through your personal health insurance.
In that case, you’ll probably want coverage for medical bills.
Uninsured/Underinsured Motorists Bodily Injury coverage help you pay your medical expenses if you’re in an accident caused by someone who either isn’t insured or doesn’t have enough insurance to cover your bills. (1 in 8 US drivers is uninsured!)
Medical Payments and Personal Injury Protection are coverages that help cover your medical expenses after an accident—even if you're at fault.
Now, let’s say your car is in the shop because of an accident. Do you want your insurer to help you get around while you wait for the repair?
Great—we’ll include Alternate Transportation coverage.
While others insurers only cover the cost of a rental car, Clearcover provides a cash payout to use for whatever transportation is best for you. (Uber rides, a rental car, a couple scooter trips—whatever works for you, works for us.)
One more question…
Got it. We won’t include Alternate Transportation coverage.
Just so you know, Clearcover’s Alternate Transportation Coverage, isn’t limited to rental cars. We pay you cash that you can spend on whatever transportation is best for you. (Uber rides, a rental car, an albatross—whatever works for you, works for us.)
Would you like some help for things such as a flat tire, out of gas, dead battery, locked out or stuck?
Roadside Assistance is what you want!
It covers the cost of sending a service technician when you need help on the road.
Well done! Let’s take a look at the coverages you chose.
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Liability Coverage
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Bodily Injury Liability
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Property Damage Liability
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Vehicle Coverage
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Comprehensive
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Collision
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Medical Coverage
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Un/Underinsured Motorist Bodily Injury Un/Underinsured Motorist
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Specialty
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Alternate Transportation
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Roadside Assistance
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Clearcover is live in the states below. If we’re not in your state yet, enter your info and we’ll contact you when we are.