Auto Insurance

Protection You Can Trust, Savings Always On

Liability vs. Full Coverage

1. Liability Insurance

Liability insurance is required in almost every state and covers:

Bodily Injury Liability (BI): Pays for medical expenses and lost wages for others if you’re at fault in an accident.
Property Damage Liability (PD): Covers damages to another person’s property caused by an accident you’re responsible for.

State minimums vary widely. For example:

California: 15/30/5 ($15,000 BI per person / $30,000 BI per accident / $5,000 PD)
New York: 25/50/10
Texas: 30/60/25

While state minimums meet legal requirements, they may not provide enough protection in a serious accident.

2. Full Coverage

Full coverage includes liability plus:

Collision Coverage: Pays for damage to your car caused by a collision with another vehicle or object.
Comprehensive Coverage: Covers non-collision incidents like theft, vandalism, hitting an animal, or weather-related damage.

Full coverage is ideal if:

You have a newer or financed vehicle (required by lenders).
You want protection against theft or natural disasters.
You cannot afford to replace your car out-of-pocket after an accident.

Optional Coverages

Personal Injury Protection (PIP)

Available in no-fault states, PIP covers:

Medical expenses for you and your passengers.
Lost wages if you’re unable to work due to injuries.
Essential services like child care or household help if you’re injured.

Medical Payments Coverage (MedPay)

MedPay helps pay for medical expenses regardless of fault. It covers:

Hospital bills
Surgery costs
Ambulance fees

Uninsured/Underinsured Motorist Coverage

Protects you if you’re hit by a driver with little or no insurance. This coverage pays for:

Medical expenses
Lost wages
Pain and suffering

How Much Coverage Do You Need?

Liability Recommendations Based on Assets

If you have significant assets—like a home or savings—you should consider higher liability limits to protect yourself financially. Lawsuits resulting from accidents can exceed state minimums, putting personal assets at risk.

Recommended Limits:

Moderate protection: 50/100/50 ($50,000 BI per person / $100,000 BI per
accident / $50,000 PD)
High protection: 100/300/100 ($100,000 BI per person / $300,000 BI per accident
/ $100,000 PD)

Why Higher Limits Matter:

For example:
If you’re responsible for an accident causing $200,000 in medical bills but only have 25/50 coverage:

Your insurance pays $50,000.
You’re personally responsible for the remaining $150,000—putting your home and savings at risk.

Why Choose Us?

With so many options available from over 70,000 P&C insurance carriers in the U.S., finding the right auto insurance can be overwhelming. That’s where we come in:

We compare quotes from multiple carriers to find the best coverage at
competitive rates.
Our licensed agents provide personalized advice based on your needs and
budget.
As a virtual agency, we save you time and money—no broker fees when you buy
online!