We get it. Auto insurance can be confusing. We're here to help provide answers.
Auto insurance helps to financially protect against the high cost of potential injuries or damages caused during an accident.
If you have a loan on a car, Gap insurance covers the difference between the value of your car and the total amount you still owe on it.
While you only need to carry the amount of insurance your state requires to be eligible to drive legally on the road. The minimum coverage we suggest you carry is BI/PD 50/100/50.
Bodily Injury (BI) liability coverage protects against the financial risk for someone else's injuries in an accident that was caused by you.
Comprehensive coverage on your auto insurance policy protects against damage done to your car in a non-collision event. This includes events or incidents such as theft, vandalism, fire or flood.
Most states require auto insurance for any vehicle registered with the Department of Motor Vehicles intended for street use.
When you have comprehensive and collision coverage that is considered full coverage.
Anyone over the age of 16 in the household with a valid driver's license or who operates the vehicle regularly should be listed on the policy.
Property damage (PD) liability coverage protects against the financial risk of potential damages to someone else's property in an accident that was caused by you.
Uninsured Motorist Coverage or Underinsured Motorist Coverage protects against the financial burden of being hit by a driver who does not have enough or any insurance to cover your injuries, damages, or losses.