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Frequently Asked Questions
Coverage Options
Understanding your coverage options helps you build a policy that protects what matters — without paying for what you don’t need.
Liability Insurance
Covers injuries and property damage you cause to others in an accident. Required in 48 states with minimum coverage limits ranging from 20/40/10 to 50/100/25 depending on location.
Full Coverage
Combines liability, collision, and comprehensive insurance into a complete protection package. Typically costs $1,500-$2,400 annually depending on state, vehicle value, and driver history.
Comprehensive Coverage
Protects your vehicle from non-collision damage including theft, vandalism, weather, and animal strikes. Covers the actual cash value of your car minus your chosen deductible, typically $500 or $1,000.
Collision Coverage
Pays to repair or replace your vehicle after an accident regardless of fault. Not legally required but mandatory for financed or leased vehicles per lender agreements.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient coverage limits. Required in 20 states and recommended in areas where 10-15% of drivers lack proper insurance.
SR-22 Insurance
Certificate of financial responsibility filed by your insurer to your state DMV after certain violations. Required for 3-5 years following DUI convictions, license suspensions, or multiple at-fault accidents.