Auto Insurance

Your vehicle comes with a lot of risk. Liability, losses, property damage, bodily injury… Luckily, you’ve got an angel looking out for you. The Insurance Angel can get you the right policy at the right price to protect your vehicle, other drivers, your passengers, and yourself from those accidents that we never see coming.

— What exactly is covered by your auto insurance?

There are three major categories of coverage when it comes to your auto insurance. There’s property coverage that will protect you against damage and theft in most cases, liability that will pay out when you’re legally accountable to others for property damage and bodily injury, and medical coverage that pays for medical expenses, lost wages, and even funeral expenses.

— What are the options?

Most states in the U.S. require you to keep auto insurance, but the policies are generally customizable, so you can get exactly what you need without paying for what you don’t. There are six-month and one-year terms that can usually be renewed. Other drivers can be covered on your policy as long as you list them on your insurance or if they’re driving your vehicle without your knowledge or permission.

Almost all states require you to have liability insurance for bodily injury and property damage caused to another vehicle or property. You may also be required to carry PIP or personal injury protection. The Insurance Angel can tell you what type of coverage you’re required to have and what additional coverage will offer the most cost-effective protection.

— What’s not covered?

If you’re involved in an accident while using your vehicle for work or for commercial purposes, your personal auto policy will not cover you. In this case, you would need a commercial auto policy. This also applies to drivers who work for ride-sharing services like Uber. Talk to the Insurance Angel about how you use your vehicle to determine what type of policy or supplemental insurance is right for you.

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