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.

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.

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.

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.

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:

  • When a Hanover Roadside Assistance provider is used, coverage limit is up to $150 per disablement, though all towing charges in excess of that limit will be reimbursed whenever a Hanover provider is used to tow your vehicle to the nearest repair facility.
  • When a Hanover Roadside Assistance Provider is not used, coverage limit is $75 per disablement.

Transportation expense

Transportation expenses include rental car charges incurred in connection with a covered comprehensive or collision loss.

Medical payments coverage/personal injury protection

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

Choosing the right vehicle for your teen driver

happy young woman seated in car holding car keys

Your teen has their license and now you might be looking at purchasing a vehicle for them to call their own. Though your kid may roll their eyes, you know that the right vehicle for them is something that emphasizes safety over style.

Read more