Covers the cost of repairing or replacing your vehicle when you are involved in an accident.


Pays for damages to your car caused by factors other than collision such as fire, vandalism, weather, theft, accident with an animal, etc.

Bodily Injury and Property Damage Liability

Payment for damages such as injury or property damage to others, including legal defense if you are sued.

Uninsured/Underinsured Motorist

This coverage pays in the event of injury, damage or death caused by someone who does not have insurance coverage or does not have adequate liability limits.

Medical Payments and Personal Injury Protection

These two coverages will pay for medical expenses, hospitalization and rehabilitation expenses resulting from injury to the insured or a passenger.

Road Trouble Service

A flat fire? A dead battery? Lock your keys in your car? For customers with Road Trouble Service, this provides you 24/7/365 protection for all 50 states and Canada. Just call 866-454-4326 and we can provide you with this service.

Loan Gap/Lease Gap

Once you drive your new car off the lot, it begins to lose value. If you are involved in an accident, you’re liable for the difference between the current value of your vehicle and the amount still owed on your lease or loan. That difference between value and the amount still owed is covered by this endorsement.

Personal Auto Coverage Enhancements (PACE)

This unique package provides additional automobile coverage at no extra cost. The expanded protection that automatically applies includes new car replacement for vehicles purchased in the last 12 months, expanded time to report new and replacement vehicles, and lost earnings for time spent in court regarding a car accident.

Personal Auto Coverage Enhancements + (PACE+)

This package provides valuable protection for greater peace of mind. The added benefits provided are new car replacement (for vehicles purchased in the last 24 months), full glass coverage with no deductible, and waiver of collision deductible.

Accident Forgiveness

This optional coverage will forgive your first at-fault accident. This prevents your premium from increasing due to a claim.


This coverage is a low-cost plan to reimburse lost wages for the policyholder and each resident relative involved in an auto accident, up to $15,000. This coverage will apply regardless of fault.

How do I get a quote?

The Concord Group works solely through independent agents to ensure you're getting the right protection from a skilled professional.

Contact an Agent