Rental reimbursement is an optional coverage that can typically only be purchased with comprehensive and collision coverage to help reimburse you for the cost of a rental car if your vehicle can't be driven after an auto accident or other covered loss. If you don’t have comp & collision, Direct Auto also offers a roadside assistance plan with 24-hour emergency towing service. If your car breaks down or can't be driven after an accident, towing coverage can be purchased with comprehensive and collision coverage to help cover or reimburse you for emergency towing costs up to the limit selected. PIP coverage is not available in all states. In some states, Personal injury protection is required in addition to your other auto insurance coverage, while other states offer it as optional insurance. Personal injury protection, or PIP, is a coverage that helps pay for certain medical, hospital, and funeral expenses in the event of an auto accident, no matter who is at fault. In certain states, coverage for an “underinsured motorist” (where the at-fault driver has liability insurance, but it is not sufficient to cover your damages) is sold separately. In some states, uninsured motorist coverage applies only for bodily injuries property damage is also available in others. Uninsured motorist coverage, or UM Coverage, will help pay for your expenses if you're injured in a car accident and the at-fault driver can't be identified, doesn't have liability insurance, or doesn't have enough liability insurance to cover your claim. A deductible payment is required before your insurance helps pay the remaining costs. There's a good chance you'll be required to carry comprehensive (and collision coverage) if your car is leased or financed. Comprehensive InsuranceĬomprehensive insurance (also referred to as “other than collision coverage”) helps pay for damages to your car if it's stolen or damaged in an event other than a collision, like a storm or contact with an animal. You must meet the deductible before your coverage helps cover the claim. You may be required to carry collision coverage (along with comprehensive insurance) if your car is leased or financed. If you cause an accident, these coverages help pay for the other driver's medical expenses and property damage (but not yours).Ĭollision insurance is a type of coverage that will pay for your car to be repaired or replaced if it hits another vehicle or object or is hit by another driver in a hit-and-run accident. You might hear other drivers refer to this family of coverage as "liability only" or "minimum auto insurance,” which generally includes bodily injury and property damage liability coverages. Liability insurance is one of the most basic types of car insurance. Friendly agents are standing by to walk you through the ins and outs of auto insurance! Read on to learn about the different types of coverages we offer. Get to know our car insurance coverages below, and don't hesitate to contact us with any questions. What Kind of Car Insurance Does Direct Auto Offer? No matter the circumstances, Direct Auto has always worked alongside drivers to determine the best policy for their needs, and we're ready to help you, too. Since 1991, Direct Auto has been providing drivers across the country with affordable car insurance and quality services - regardless of their insurance history. What's more, the right car insurance coverage can help protect you and your loved ones financially in the event of a car accident, theft, or other covered loss. While car insurance coverage requirements vary by state, almost every state requires some form of liability insurance. Start with a fast and free car insurance quote online, and you'll see! You can also call 1-877-GO-DIRECT or visit your store to talk with a friendly agent in person. With affordable coverage options, extra services, great payment plans, and money-saving discounts that could help you get the cheap car insurance you want, we're here to help you build the best auto insurance policy for your needs. That's why we offer you choices every step of the way. Affordable auto insurance is a call, click, or visit awayĮvery driver is different. From exceptional services to low down payments to low monthly payments to multiple car insurance discounts to multiple ways to pay, you can truly have it all. And rest assured that "cheap auto insurance" never refers to the quality of our products and services it simply means affordable. Depending on your situation, that could mean cheaper, more affordable car insurance and even cheap car insurance overall. You can get both the reliable protection and the low rates you want! Our friendly agents work with you to offer quality coverage that works with your budget. With Direct Auto, you don't have to compromise on car insurance.
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