Auto insurance is a contract between you and an insurance company that provides financial protection in the event of a car accident, theft, or other vehicle-related damages. It helps cover repair costs, medical expenses, and liability if you’re responsible for injuries or damage to others. Most states require a minimum level of auto insurance to drive legally, and coverage options can include liability, collision, comprehensive, uninsured motorist, and more—customized to fit your driving needs and budget.

An auto insurance policy typically offers the following types of coverage:

1. Liability Coverage

   • Bodily Injury Liability: Covers medical expenses for injuries you cause to others.

   • Property Damage Liability: Covers damage you cause to another person’s property, like their vehicle or fence.

2. Collision Coverage

   • Pays for damage to your vehicle from a collision, regardless of who’s at fault.

3. Comprehensive Coverage

   • Covers non-collision-related incidents such as theft, vandalism, fire, weather damage, or hitting an animal.

4. Uninsured/Underinsured Motorist Coverage

   • Covers your expenses if you’re hit by a driver who has no insurance or not enough insurance.

5. Personal Injury Protection (PIP) / Medical Payments

   • Covers medical expenses for you and your passengers, regardless of fault. PIP may also cover lost wages and other related costs.

6. Roadside Assistance (optional)

   • Covers services like towing, battery jump-start, flat tire change, and lockout assistance.

7. Rental Reimbursement (optional)

   • Pays for a rental car while your vehicle is being repaired due to a covered claim.

Coverage options can vary by state and insurer, and many policies allow customization based on your needs and budget.

Types of Auto Insurance Policies Available:

1. Liability-Only Policy

   • Meets state minimum requirements. Covers damages and injuries you cause to others but not your own vehicle.

2. Full Coverage Policy

   • Includes liability, collision, and comprehensive coverage. Offers broader protection for both you and others involved.

3. Commercial Auto Insurance

   • Designed for vehicles used for business purposes (e.g., deliveries, transporting goods or clients).

4. Non-Owner Auto Insurance

   • Provides liability coverage for individuals who drive but don’t own a vehicle. Ideal for frequent renters or borrowers.

5. Usage-Based Insurance (Pay-As-You-Drive)

   • Premiums are based on your driving habits and mileage, monitored through a device or app.

6. Personal Auto Policy (PAP)

   • Standard policy for individuals and families using vehicles for personal purposes.

7. High-Risk Auto Insurance

   • For drivers with poor driving records, DUIs, or multiple claims. Often more expensive and sometimes required by state (SR-22).

8. Temporary or Short-Term Auto Insurance

   • Provides coverage for a limited time, typically from one day to a few months. Useful for renters or short-term vehicle use.

Each policy type is designed to meet different needs depending on your vehicle use, risk level, and financial preferences.

• Progressive

• Bristol West

• Geico

• Travelers

• Plymouth Rock

• State Policy

NJ, TX, CO, CA, AL, MD, AR, PA, MA, NY.