Auto insurance

Coverages

Get a quote
Find my agent
Blue car close up of front collision

Liability coverage

There are two types of compensation associated with liability coverage insurance: Bodily Injury and Property Damage.

  • Bodily Injury covers losses resulting from injuries you cause to others.
  • Property Damage covers repair costs or the value of others' property you have damaged.

Who is covered?

  • You and relatives living at your residence are covered when driving your car or another person’s car with the owner's permission.
  • Someone else driving your car with your permission.

What is covered?
The injured party (third-party benefit) can receive payments for damages related to:

  • Death
  • Injury
  • Medical care
  • Loss of services
  • Property damage (in certain states)

You are also covered for certain defense costs, bail bond costs and emergency first aid to others.

Woman driving car

Uninsured Motor Vehicle Coverage

This coverage protects you if you have a loss caused by a hit-and-run driver or an at-fault driver who has no liability coverage.

Who is covered?

  • You and any covered passengers in your car.
  • You and any relatives living at your residence, if occupying another person’s car.

Covers losses related to:

  • Death
  • Injury
  • Medical care
  • Property damage (in certain states)
Agent in the field at a car accident

Underinsured Motor Vehicle Coverage

This coverage protects against losses caused by an at-fault driver who has insufficient liability coverage to pay for your loss.

Who is covered?

  • You and any covered passengers in your car.
  • You and any relatives living at your residence, if occupying another person’s car. 

Covers losses related to:

  • Death
  • Injury
  • Medical care
  • Property damage (in certain states)
  • Protection for your vehicle
Car accident

Collision Coverage

Collision coverage covers damage to your vehicle if it collides with another object.

Comprehensive Coverage

Comprehensive Coverage, also called Other Than Collision Coverage, covers damage to your car from a variety of non-collision events, including fire, theft, vandalism, falling rocks, hail, or impact from an animal (e.g., deer collision).

Discounts
Auto insurance discounts
Check out some of the ways you can save with our special rates and discounts.

Learn more about Auto Insurance Discounts

Homeowners insurance icon svg
Home insurance
You could save when you combine your auto insurance with a Homeowners policy. See how our Homeowners coverages can help protect your home and belongings.

Learn more

Additional coverage options and services

Emergency road service
Emergency Road Service

Provides towing, tire change, jump-start and lock-out assistance.

Learn more

Rental reimbursement
Rental Reimbursement

Helps pay for a rental car or other transportation while your vehicle is in the shop.

Learn more

Get a quote
Find my agent

Horace Mann Insurance Company and its affiliates underwrite Horace Mann auto and home insurance. Discounts and coverages are subject to terms and conditions and may vary by state.