Collision Auto Insurance
Collision auto insurance provides coverage for damages to your vehicle in the event of a collision with another vehicle or object. This type of coverage is optional but can be beneficial if you want to protect your vehicle from unexpected accidents.
Comprehensive Auto Insurance
Comprehensive auto insurance covers damages to your vehicle that are not caused by a collision, such as theft, vandalism, or natural disasters. It provides added peace of mind knowing that your vehicle is protected from a wide range of potential risks.
Liability Auto Insurance
Liability auto insurance is mandatory in most states and helps cover the costs of property damage or injuries caused by you in an accident. There are two main types of liability coverage: Property Damage Liability (PDL) and Bodily Injury Liability (BIL).
- Property Damage Liability (PDL) Auto Insurance: Property Damage Liability (PDL) Auto Insurance: Provides coverage for harm to another person’s assets in the event that you are at fault, including their home or car.
- Bodily Injury Liability (BIL) Auto Insurance: Provides coverage for the medical expenses and legal fees of individuals injured in an accident where you are at fault.
MedPay Coverage/ Medical Payment Coverage
MedPay coverage, also known as medical payment coverage, helps cover your medical expenses resulting from an accident, regardless of who is at fault. This coverage can provide financial assistance for medical bills and related costs.
Uninsured/Underinsured Coverage
Uninsured/underinsured coverage protects you in the event of an accident caused by a driver who does not have insurance or insufficient coverage. It can help cover your medical expenses, vehicle repairs, and other losses.
Personal Umbrella Insurance
Personal umbrella insurance provides additional liability coverage that goes beyond the limits of your standard auto insurance policy. It offers increased protection in case of high-cost claims or lawsuits.
Non-Owner Auto Insurance
Non-owner auto insurance is a specialized policy designed for individuals who do not own a vehicle but drive occasionally. This type of coverage provides liability protection when driving a rented or borrowed vehicle.
Food Delivery Auto Insurance
Food delivery auto insurance is tailored for individuals working in food delivery services. It offers coverage for accidents that occur while delivering food for a business.
Usage-Based (Pay-As-You-Go) Insurance
Usage-based insurance, also known as pay-as-you-go insurance, bases your premiums on your driving habits. It uses telematics devices to track your mileage, speed, and other driving behaviors to determine your rates.
Roadside Assistance Coverage
Roadside assistance coverage provides assistance in case of vehicle breakdowns, flat tires, dead batteries, and other roadside emergencies. It can assist you in returning to driving swiftly and securely.
Guaranteed Auto Protection (GAP) Insurance
GAP insurance covers the “gap” between your vehicle’s actual cash value and the amount you owe on your auto loan or lease. It can be valuable in the event of a total loss or theft of your vehicle.
Custom Parts and Equipment Coverage
Custom parts and equipment coverage protect aftermarket additions to your vehicle, such as upgraded sound systems, wheels, or custom paint jobs. It ensures that these enhancements are covered in case of damage or theft.
Rideshare Insurance
Rideshare insurance provides coverage for drivers who work for ride-sharing companies like Uber or Lyft. It offers additional protection for accidents that occur while providing rideshare services.
College Student Car Insurance
College student car insurance is designed for students attending college away from home. It offers flexible coverage options tailored to the unique needs of young drivers.
SR-22 Insurance
SR-22 insurance is a certificate of financial responsibility that may be required for individuals with certain driving violations. It verifies that you have the minimum auto insurance coverage required by your state.
Auto Insurance for Rental Cars
Auto insurance for rental cars provides coverage for rental vehicles while traveling. It can help protect you from liability and damages while driving a rental car.
Gap Insurance
Gap insurance covers the “gap” between your vehicle’s actual cash value and your remaining loan balance if your car is totaled or stolen. It can save you from owing money on a vehicle you no longer have.
