What Auto Insurance Coverage Do You Need?

Most auto insurance policies include the following coverages. Requirements may vary by state and lender.

Liability Coverage (Required by Law)

Liability coverage is required in most states. It pays for:

• Injuries to other people if you are at fault in an accident

• Damage to another person’s vehicle or property

This coverage does not pay for your own injuries or vehicle damage.

Collision Coverage

Collision coverage helps pay to repair or replace your vehicle if it is damaged in an accident, regardless of fault. This applies when:

• You hit another vehicle

• You hit an object, such as a pole or guardrail

A deductible applies before coverage pays.

Comprehensive Coverage

Comprehensive coverage pays for damage to your vehicle from non-collision events, including:

• Theft

• Fire

• Vandalism

• Weather-related damage

• Falling objects or animal collisions

A deductible applies to this coverage.

Uninsured / Underinsured Motorist Coverage

This coverage protects you if you are hit by a driver who has:

• No insurance

• Not enough insurance to cover your damages

It may cover medical expenses, lost wages, and sometimes vehicle damage, depending on the policy.

Medical Payments or Personal Injury Protection (PIP)

Medical Payments or PIP helps cover medical expenses for you and your passengers after an accident, regardless of fault. Coverage may include:

• Medical bills

• Rehabilitation expenses

• Lost wages (PIP only, where applicable)

Availability varies by state.

Additional Optional Coverages

Depending on your needs, you may also choose:

• Rental reimbursement

• Roadside assistance

• Gap coverage (for financed or leased vehicles)

How the Auto Insurance Process Works

Step 1: Get a Quote

We collect basic information about your drivers, vehicles, and coverage preferences, then shop multiple insurance carriers on your behalf.

Step 2: Review Coverage Options

We review your quote with you to make sure you understand what each coverage includes and that limits meet your needs.

Step 3: Choose and Activate Coverage

Once you select a policy, we help process payment and activate your coverage. Proof of insurance is issued once the policy is bound.

Step 4: Ongoing Support

After your policy starts, you’ll receive your documents by email. For claims or coverage questions, you may contact the insurance carrier directly. Our licensed agents are also available to assist with changes, renewals, or additional coverage.

Why Choose Insured Me Direct?

• Access to multiple top-rated insurance carriers

• Personalized coverage recommendations

• Discounts applied whenever available

• Fast and easy quoting process

• Licensed agents ready to assist

Get Started Today

Auto insurance is more than just meeting state requirements—it’s about protecting yourself, your vehicle, and your financial future.

Contact Insured Me Direct today to get a quote or speak with a licensed agent.