COVERAGE OPTIONS
Bodily Injury Liability
Covers legal responsibility for injuries to others. Limits should be coordinated with umbrella coverage to prevent personal asset exposure.
Property Damage Liability
Pays for damage to another party’s property. Proper limits protect against high-cost vehicle and structural repair claims.
Collision Coverage
Covers repair or replacement of your vehicle after an at-fault or single-vehicle accident. Deductibles should align with liquidity and risk tolerance.
Comprehensive Coverage
Protects against non-collision losses such as theft, vandalism, weather damage, and animal strikes.
Uninsured / Underinsured Motorist
Provides protection if you are injured by a driver with insufficient or no insurance. Critical in states with low minimum requirements.
Medical Payments / Personal Injury Protection
Covers medical expenses for you and passengers regardless of fault. Structure varies by state and should align with existing health coverage.
Additional Coverage Options
Full Replacement Cost
Provides new vehicle replacement when a qualifying total loss occurs, subject to carrier terms and vehicle age limitations.
GAP Insurance
Covers the difference between outstanding loan or lease balance and insurance settlement after a total loss.
Roadside Assistance
Emergency services including towing, lockout support, battery service, and roadside mechanical assistance.
OEM Parts Endorsement
Ensures original manufacturer parts are used in eligible repairs rather than aftermarket alternatives.
Reimbursement Options
Reimbursement percentages may be adjusted to manage premium cost and out-of-pocket exposure.
Accident Forgiveness
Prevents premium surcharge following a qualifying accident under carrier guidelines.
Rideshare Coverage
Extends protection during app-based driving activities not covered under personal auto policies.
Eligible vehicles
Standard personal vehicles
Luxury and high-value automobiles
SUVs and multi-vehicle households
Collector and specialty vehicles
Electric and hybrid vehicles
Households with teen drivers or higher liability needs
We design coverage around liability protection, asset exposure, and long-term financial security.