Auto coverage

There are almost as many options for auto insurance as there are for autos themselves. Take a look at our coverage options to determine the best protection for you and your vehicle.

 

Accident forgiveness

Accidents happen and when they do, good drivers shouldn’t have to pay the price. With accident forgiveness, your first surchargeable accident in any 36-month period will be forgiven. That means no surcharge points and no increase in premium as a result of that accident.

Bodily injury liability

Bodily injury liability pays damages for bodily injury or death resulting from an accident for which you are at fault and may provide you with a legal defense.

Comprehensive physical damage

Comprehensive physical damage pays for damage to your car from theft, vandalism, flood, fire or other covered perils.

Deductible dividends

With deductible dividends, your collision deductible is reduced as soon as the endorsement is added to your policy. Over the course of five years, this could save you up to $500 off your deductible.

Medical payments coverage/personal injury protection

Medical payments coverage offers medical payment to non-household members who are accidentally injured.

Newer car replacement

If your car is declared a total loss, newer car replacement coverage pays the actual cash value of the same make, model and equipment of a vehicle one model year newer than your car, minus any applicable deductible.

Original equipment manufacturer (OEM) parts

Original equipment manufacturer (OEM) parts coverage ensures that you get the original replacement parts for your vehicle. Replacement parts will match the brand of your vehicle, help increase vehicle value and longevity, and typically come with a warranty. This coverage is ideal for those with higher-end vehicles or who appreciate brand names. We offer lifetime OEM or OEM parts coverage. Lifetime OEM coverage provides OEM parts on repairs as long as they are available, regardless of the model year. OEM coverage provides OEM parts for vehicles within the three most current model years.

Rental coverage*

Whether your vehicle is being repaired after a covered loss or you're driving a temporary rental vehicle, The Hanover offers rental coverage options designed to help keep you moving and protected.

• Rental reimbursement coverage: Provides coverage for transportation expenses if you can't drive your vehicle due to a covered loss.
• Rental car coverage: In the event of a covered collision or comprehensive loss involving a rented vehicle, provides coverage for loss of use, diminished value and reasonable fees you may be obligated to pay.
• Single limit rental reimbursement: Enhances rental reimbursement coverage by allowing you to rent a vehicle from The Hanover's preferred rental provider, including luxury-class or large SUV-class vehicles, with reimbursement provided as a single coverage limit rather than a daily rental limit.
• Extended rental reimbursement: Enhances rental reimbursement coverage by extending the rental coverage period when additional time is needed to repair or replace your vehicle following a covered loss.
• Prestige single limit rental reimbursement: Provides a higher level of single limit rental reimbursement coverage, allowing you to rent a vehicle from The Hanover's preferred rental provider, including luxury-class, large SUV-class or similar vehicles, with reimbursement provided as a single coverage limit rather than a daily rental limit.

* Coverage options, features and availability may vary by state. Contact your independent insurance agent for complete details, eligibility requirements, limitations and exclusions.

Roadside assistance

Don’t be left stranded—our roadside assistance coverage provides 24/7 emergency roadside assistance for towing and other emergency roadside services you may need for your disabled vehicle:

• Provides free towing to a location of your choice up to your selected mileage limit or to the nearest repair facility if outside your mileage range
• Emergency roadside services, such as the delivery of fluids, battery service, changing tires, and lockout service are also provided at reasonable cost.