Keeping Your Liability Protection
Understand how Good Driver Club works alongside your state-mandated requirements.
The Dual Approach
Good Driver Club is designed to handle physical damage to your own vehicle—acting as an alternative to traditional collision and comprehensive coverage. It does not replace your state-required liability protection.
Liability Protection
You continue to maintain your state-mandated liability protection through a traditional provider. This covers damage or injuries you may cause to others.
Good Driver Club
You use the Good Driver Club program as your alternative for physical damage to your own vehicle resulting from eligible events like accidents, weather, or theft.
You keep your liability insurance, and Good Driver Club becomes your alternative to collision and comprehensive coverage.
Why Liability Protection Remains Important
Liability protection is mandated by law in nearly every state. It ensures that if you are at fault in an accident, the costs associated with the other party's injuries or vehicle damage are covered. Good Driver Club focuses exclusively on protecting your own vehicle, making it the perfect complement to your existing liability policy.
Frequently Asked Questions
Do I keep my liability insurance?
Yes, you must keep your state-mandated liability insurance. Good Driver Club is an alternative to collision and comprehensive coverage for your own vehicle, not a replacement for liability protection that covers damage or injury to others.
How does the dual approach work?
The dual approach means you maintain a traditional liability policy for third-party claims, while utilizing Good Driver Club's membership program to handle physical damage to your own vehicle, potentially saving you money.