What am I covered for?

Being covered is one thing. Understanding your coverage is another. Here’s everything you need to know.
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What Does Car Insurance Cover?

Get the coverage you need, and hit the road with confidence

What Car Insurance Doesn’t Cover

Custom parts? Rideshare driving? We spell out everything your car insurance policy might not cover.

Comprehensive Coverage

Comprehensive insurance protects you against a lot of things that don’t involve crashing into another vehicle—stuff like theft, vandalism, and storm damage.

Collision Coverage

Collision insurance is coverage that helps pay to repair or replace your own car if it’s damaged in an accident with another vehicle or object.

Lemonade Car Roadside Assistance

With Lemonade Car's roadside assistance services, we're with you every step of the way. We'll break down—no pun intended—how it all works

Rental Car Insurance

Rental car insurance protects you if you rent a car and are later liable for hitting another vehicle, as well as if the car is damaged or stolen.

Bodily Injury Liability

Bodily injury liability pays for someone else’s medical expenses and injury-related lost wages if they’re injured in a car accident where you are at fault.

Gap Insurance

If your vehicle is totaled or stolen, gap coverage helps pay off your existing auto loan.

Medical Payments Coverage

Medical payments coverage helps pay the medical bills if you, your passenger, or family member got injured in a car accident.

Pet Injury Coverage for Car Insurance

Pet injury coverage helps pay the veterinary bills or costs of memorial in the event that your pet is hurt or killed while riding with you in a car accident.

Roadside Assistance

Learn about Lemonade Car's roadside assistance. Get to know what's included in your policy, and how you can use it.

Windshield Crack Repair

Windshield crack repair describes the process of fixing a cracked windshield before it gets worse and needs complete replacement.

Full Coverage Car Insurance

Get the ins and outs about full coverage car insurance, which protects your vehicle in many different scenarios.

Illinois Car Insurance Coverage

Make every mile magnificent with Lemonade Car

Temporary Transportation Coverage

Temporary transportation coverage refers to a car insurance add-on that covers expenses like Lyft, public transportation, bike sharing, or a rental.

Tennessee Car Insurance Coverage

Because there’s so much to see in Tennessee.

Comprehensive vs. Collision Insurance, Explained

So, what's the difference?

Ohio Car Insurance Coverage

Because there's so many places to go in O-H-I-O.

Summer Road Trip Safety Guide

Please Note: These definitions don’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade. They are intended for educational purposes only - they’re not meant to be used in lieu of professional legal or financial advice. We’ll do our best to keep them updated, but they may not always reflect current industry developments. Feel free to use the terms with attribution (friends don’t let friends plagiarize!)

Property and casualty insurance provided by Lemonade Insurance Company, 5 Crosby St., 3rd floor, New York, NY 10013. Life Insurance provided by North American Company for Life and Health Insurance®, Administrative Office, One Sammons Plaza, Sioux Falls, SD 57193.

Lemonade Insurance Agency, LLC (LIA) is acting as the agent of Lemonade Insurance Company and Lemonade Life Insurance Agency, LLC (LLIA) is acting as the agent of North American Company for Life and Health Insurance®. Both LIA and LLIA receive compensation based on the premiums for the insurance policies each sells. Further information is available upon request.

LLIA is a sub-producer of Bestow Agency, LLC. Life insurance quotes are provided by Bestow Agency, LLC dba Bestow Insurance Services in CA, who is the licensed agent. Term Life insurance policies are issued on North American Company for Life and Health Insurance® policy form LS181 and LS182, or state version including all applicable endorsements and riders. Products or issue ages may not be available in all jurisdictions. Limitations or restrictions may apply. Not available in New York. Our application asks about your lifestyle and health; your answers allow us to save you time and avoid offline medical exams.