Here's the thing about accidents-they happen, even to careful drivers. Liability coverage steps in when you're the one who caused the problem. It takes care of the other person's medical bills and fixes their car or property. Without it, those costs come straight out of your savings account, which can be a huge problem.
Bodily injury protection covers medical expenses, hospital stays, and even lost income if someone can't work because of injuries you caused.
Property damage coverage pays for repairs to other vehicles, buildings, fences, or anything else you accidentally hit.
Legal protection includes defense costs if someone sues you over an accident, saving you from expensive lawyer fees.
You backed into a pole at the grocery store. Or maybe someone merged into your lane without looking. Either way, your car needs repairs. Collision coverage pays to fix your vehicle no matter whose fault it was. This makes sense especially if your car is newer or you still owe money on it.
Accident repairs covered regardless of who caused the crash, whether it was you, the other driver, or unclear.
Single-vehicle incidents like hitting a guardrail, tree, or mailbox are included when there's no other driver involved.
Rollover accidents are covered, along with damage from potholes or debris on the road.
Not all car damage comes from crashes. A storm knocked a tree onto your hood. Someone broke your window to steal your radio. Maybe a deer jumped in front of you on a dark road. Comprehensive coverage handles all these situations that have nothing to do with normal accidents between cars.
Theft and vandalism protection means you're covered if your car is stolen or damaged by someone on purpose.
Weather damage from hail, floods, hurricanes, or falling objects is included in this coverage.
Animal collisions with deer, dogs, or any wildlife are covered, along with fire damage from any cause.
About one in eight drivers on the road doesn't have insurance. If one of them hits you, their insurance won't cover anything because they don't have any. This coverage protects you from paying those costs yourself. It also helps if someone hits you and drives off without stopping.
Medical expenses for you and your passengers get covered when the at-fault driver has no insurance.
Lost wages from missing work due to injuries are included, helping replace your paycheck during recovery.
Hit-and-run protection applies when you can't identify who hit you or they flee the scene.
Hospital visits after car accidents aren't cheap. This coverage helps pay those medical bills right away, no matter who caused the accident. It covers you and anyone riding in your car. The best part is it works quickly without waiting to figure out whose fault it was.
Emergency treatment costs are handled including ambulance rides, emergency room visits, and immediate care.
Ongoing medical care like hospital stays, surgery, X-rays, and doctor appointments after the accident.
Passenger protection covers medical bills for anyone in your vehicle when the accident happened.
Cars break down at the worst times. Dead battery on a cold morning. Flat tire in the rain. Locked your keys inside before an important meeting. Roadside assistance means help is just a phone call away, any time of day or night. You won't need to search for tow trucks or worry about getting stranded.
Towing service to the nearest repair shop when your car won't start or can't be driven safely.
Battery jump starts get you going again when your battery dies unexpectedly.
Flat tire changes and fuel delivery when you run out of gas or have a puncture on the highway.
We know you've got options. Here's why drivers choose to work with us instead of other companies.
When you call us, an actual person picks up the phone. No endless menus or robots.
Your quote shows exactly what you're paying and why. No confusing fees added at the end.
Most claims get reviewed within two days. We understand you need your car fixed or your bills paid quickly.
Immediate support and guidance after an accident to ensure you get back on the road safely.
Work with someone in your area who knows the roads you drive and understands local insurance requirements.
You qualify for savings based on real things like safe driving, bundling policies, or having safety features.
See what your coverage would cost in just a few minutes. No pressure, no obligations. Just straight answers about protecting your car and your wallet.