What Does Hartford Automobile Insurance Cover?

As of 2015, all of The Hartford's automobile insurance policies include new car replacement, lifetime car repair, recovery care, rate protection for six months, a 24-hour claims hotline and a promise to renew, states the official company website, TheHartford.com. Customers can add additional features to their policies such as first accident forgiveness, disappearing deductibles, rate protection for 12 months and a deductible waiver for not-at-fault accidents.

The basic automobile insurance policy that The Hartford offers is the Advantage plan. The Advantage package replaces a totaled car with a new one of the same make, model and equipment package if the covered car is totaled within 15,000 miles of or the first 15 months after the date that the customer purchases it, whichever is first. There is no deduction for depreciation, notes TheHartford.com.

The Advantage policy offers lifetime car repair for customers who choose from one of the company's approved networks. As of 2015, the network contains more than 1,600 authorized repair shops. Policyholders can also receive up to $2,500 that can be used for help with transportation and housework if they have been injured in a car accident.

Another feature of the Advantage package is its no-drop promise, which states that as of 2015 The Hartford Financial Services Group, Inc. always renews a policy as long as the driver meets certain requirements.