Collision coverage

If you're in an accident with another vehicle or object – or your vehicle overturns – your collision coverage will pay for the covered damage to your vehicle. The maximum amount you'd receive is the actual cash value of your vehicle minus the deductible you chose for this coverage.

Key points about collision insurance:

• In order to purchase collision coverage, you must also purchase comprehensive coverage.
• Both collision and comprehensive coverage are generally required if you have a loan or lease on your vehicle.
• Choose a deductible with an out-of-pocket cost you're comfortable with should an accident occur.

Coverages and limits may vary by state. Check with a Travelers representative to find out what's available in your state.

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Liability coverage

If you cause an auto accident, you need protection for the damage you might do to another person and that person's property. That's what auto liability insurance is all about.

If you're in an accident in which you're at fault, your property damage liability pays for the covered damage you've caused to the other car and provides you with legal defense if the other party files a lawsuit against you. Your bodily injury liability covers the costs associated with the covered injuries you may have caused to other people in that accident and also provides for a legal defense if you're sued.

Key points when choosing liability insurance:

• Bodily injury liability covers injury to people, up to the policy limits.
• You should have enough property liability insurance to cover the amount of damage your car might do to another vehicle or an object such as a building or piece of equipment.
• With both types of liability, you want enough insurance to cover a lawsuit judgment, without jeopardizing your personal assets.

Most states require all motorists to maintain some form of liability insurance. Your Travelers representative can help you understand your state requirements and select the amount of liability coverage that's right for you.

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Be confident in your insurance choices. Contact your agent or Travelers representative today. We'll work with you to develop an auto insurance policy that fits your needs and your budget.