Personal Auto Insurance
Personal auto insurance provides financial protection for you, your vehicle, and others in the event of an accident, theft, or other unexpected incident involving your car. It’s a contract between you and your insurance company that helps cover repairs, medical expenses, legal fees, and liability if you're found at fault in an accident. Whether you’re driving to work, picking up the kids, or running errands, personal auto coverage helps keep you, and your finances secure on the road.
Why do you need it?
Auto insurance isn’t just a smart move, it’s legally required in most states. Beyond meeting legal obligations, personal auto coverage protects you from potentially devastating out-of-pocket costs. From fender benders to serious accidents, even one incident can lead to thousands of dollars in vehicle repairs, medical bills, or lawsuits. With the right policy in place, you gain peace of mind knowing you're covered, no matter what’s around the corner.
What does it cover?
A standard personal auto policy typically includes:
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Liability Coverage – Pays for injuries or property damage you cause to others.
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Collision Coverage – Covers damage to your vehicle from a collision, regardless of fault.
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Comprehensive Coverage – Protects against non-collision events like theft, fire, hail, or hitting an animal.
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Uninsured/Underinsured Motorist Coverage – Helps if you’re hit by a driver with little or no insurance.
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Medical Payments or Personal Injury Protection (PIP) – Covers medical expenses for you and your passengers.
Additional options can include rental reimbursement, roadside assistance, and gap coverage for financed or leased vehicles.