No Drop Promise

• No need to worry about losing your insurance. Once you become a policyholder, you are assured continued coverage as long as you're able to drive and meet a few simple requirements.*

RecoverCare

• This feature helps pay for the cost of home services such as cooking, cleaning, shopping, transportation and yard work if you're injured in an accident. **

Lifetime Repair Guarantee

• We guarantee the workmanship on covered repairs for as long as you own or lease your vehicle, when you choose to use a Hartford-certified shop.

24/7 Claim Hotline

• Our claim professionals are available any time of the day or night, ready to assist you with claim service.

6-Point Claim Satisfaction Guarantee

• Every one of our policies comes with this set of promises:
  • 24/7 Claim Service
  • Customer Care Specialists
  • Workmanship Guarantee
  • Claim Service Expert for Problem Escalation
  • Prompt claim payment following agreement on amount of loss
  • Replacement Cost Coverage for New Cars (below)

New Car Replacement

• If you have a total loss of a new car within the first 15 months or 15,000 miles after purchase, we'll pay the replacement cost of a new vehicle—the same make, model and equipment—with no deduction for depreciation.

Auto Insurance Upgrade Features
In addition to all the standard features listed above, our Advantage Plus package option offers these additional benefits:

First Accident Forgiveness

• Once you qualify for this benefit, if you have an accident, it will be forgiven. It won't count against you, and your rates won't go up because of it. ***

Disappearing Deductible

• Maintain a clean driving record, and we'll reduce your collision deductible by $150. And we'll continue to reduce the deductible by $50 each additional year you keep your good driving record—until it reaches $0. ***

Waiver of Deductible for a Not At Fault Accident

• In most cases, if an accident is not your fault, you won't have to pay your deductible. We'll pay the full amount of covered damages and the deductible as well.

$100 Deductible Waiver for Choosing to Use an Approved Repair Shop

• If you choose to take your car to one of our authorized repair shops, we'll waive $100 of your deductible, and you'll receive a guarantee on the workmanship of claim repairs. ($100 waiver not available in AZ.)

Note: Not all features and benefits are available in all states.

* Your policy will not be non-renewed because of the number of traffic convictions or accidents you or any operator may have during the policy period. This promise does not apply if any operator is convicted of operating a vehicle under the influence of drugs or alcohol, if an operator has a driver's license suspension or if you fail to provide us, if requested, a physician’s certification of fitness to drive.  PLEASE SEE ENDORSEMENT FOR ALL PROVISIONS.

** Availability and benefit levels vary by state.

*** Some benefits, including First Accident Forgiveness and the Disappearing Deductible are only available with the optional Advantage Plus package. To qualify for these two benefits, all drivers on the policy must have a clean record (no accidents or violations) for five consecutive years (in most states). For the Disappearing Collision Deductible, these five years must include a period of three consecutive years as a policyholder in this Hartford auto insurance program, commencing after the effective date of the policy issued through this offer. Availability varies by state.