does aflac have car insurance

[ORicardo]

No, Aflac does not sell traditional car insurance. Their core business is supplemental insurance policies, which are designed to work alongside your primary insurance plans (like health, auto, or life) from other companies. If you have a car accident, Aflac's policies can provide cash benefits to help with out-of-pocket expenses, but they will not cover the cost of repairing your vehicle or liability claims—that's what your standard auto insurance policy is for.

Think of it this way: your regular car insurance from companies like State Farm, Geico, or Progressive is your main line of defense. It pays the other driver if you're at fault and fixes your car. An Aflac accident policy, however, is like financial backup. It can pay you a cash benefit directly if you're injured in a covered accident, which you can use for anything—your health insurance deductible, rent, or groceries while you recover. This distinction is crucial because you cannot replace a mandatory auto insurance policy with an Aflac plan.

While Aflac is a highly reputable provider in its niche, it's important to understand the clear division in the insurance market. The table below illustrates the fundamental differences between Aflac's supplemental offerings and a standard auto insurance policy.

Coverage Aspect	Standard Auto Insurance Policy	Aflac Supplemental Insurance
Vehicle Repair/Replacement	Yes. Covers damage from collisions, theft, vandalism, etc.	No. Does not cover property damage to any vehicle.
Bodily Injury Liability	Yes. Legally required to cover injuries you cause to others.	No. Does not cover your liability to other people.
Personal Injury Protection	Yes. In "no-fault" states, it covers your medical bills.	Complementary. Can provide cash beyond what your auto PIP pays.
Primary Function	To make others whole and repair property as legally required.	To provide you with direct cash payments for specified events.
State Regulation	Mandatory in most states to legally drive a vehicle.	Voluntary purchase, not a legal requirement for driving.

So, your best course of action is to maintain a robust car insurance policy for your vehicle and legal protection. Then, if you see value in having extra financial cushion for unexpected injuries, you can explore adding an Aflac accident policy as a separate, supplementary safety net.

[GavinMarie]

Nope, they don't. I actually looked into this when I was shopping for insurance last year. Aflac is all about those supplemental plans you see advertised—like if you break an arm, they send you a check. But for your actual car, you still need a totally separate policy from a car insurance company to be legal on the road. Aflac won't help if you crash into someone's fence.

[StDawson]

Correct, Aflac does not offer car insurance. Their focus is exclusively on supplemental coverage, such as accident, hospital, or critical illness insurance. These products are meant to complement your existing insurance portfolio by providing direct cash benefits to you in specific situations. You must secure a standard auto insurance policy from a dedicated provider to meet state legal requirements for vehicle operation.

[EmersynAnn]

As an insurance professional, I can confirm Aflac is not in the car insurance market. Their expertise lies in voluntary supplemental benefits, which are often offered through employer payroll deduction. These policies provide specified cash benefits directly to the policyholder during a qualifying event, like an injury. This is fundamentally different from the indemnity model of auto insurance, which protects against third-party liability and physical damage losses.

[DamianLee]

You'll need to go elsewhere for car insurance. Aflac is famous for its duck and its supplemental health policies, but it doesn't underwrite auto coverage. Their plans are fantastic for filling gaps—giving you cash for expenses your health insurance doesn't cover if you get hurt in any accident, including a car crash. But for the actual damage to your car or the other person's vehicle, you're still relying on your GEICO, Allstate, or whoever your auto insurer is.