Auto Insurance

Liability insurance is required in almost every state and covers the damage you cause to other people or their property. Liability includes two components: bodily injury, which pays for medical expenses, lost wages, and other injury-related costs, and property damage, which covers the cost of repairing or replacing another person’s property when you’re at fault in an accident. We recommend a minimum of $250,000 per person with $500,000 per accident.

This coverage option helps you repair or replace your car if it’s damaged in a collision, regardless of fault, and is often required if you have a car loan/lease. There are three types of collision coverage options: limited, standard, and broad. We recommend broad form collision, so you won’t pay your deductible if you are found to be less than 50% at fault.

Comprehensive auto insurance covers damage caused by non-collision incidents, such as theft, vandalism, natural disasters, fire, or hitting an animal. Like collision coverage, it’s often required by lenders if you’re financing or leasing your vehicle. If you own a newer or higher-value car, we recommend purchasing comprehensive coverage with added glass waiver coverage so you won’t have to pay your deductible for a cracked or broken windshield repair.

This auto insurance coverage is absolutely essential. Even if you’re a cautious driver, you can’t control what others do (and whether or not they have insurance). Uninsured/underinsured coverage helps pay for your medical expenses and vehicle damage if you’re in an accident with someone who doesn’t have enough, or any, insurance. We recommend purchasing a minimum of $250,000 per person with $500,000 per accident.

PIP coverage helps pay for medical bills, regardless of who is at fault and can even cover lost wages and funeral expenses. We always recommend purchasing unlimited PIP protection because medical care after an auto accident can become quite costly.

If your car breaks down or you run into trouble while on the road, you’ll want to have roadside assistance coverage for services like towing, tire changes, and jump-starting. We always recommend this coverage for people who frequently drive long distances or live in rural areas.

Although rental car reimbursement isn’t required on a state level, it can be incredibly helpful after an auto accident. If your car is being repaired for an extended period, you won’t have to pay for the cost of a rental car while your car is being worked on.