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What Does Auto Insurance Cover?
Liability Coverage
Covers bodily injury and property damage you cause to others in an accident. Required in most state
Collision Coverage
Pays for repairs to your vehicle after an accident, regardless of fault.
Comprehensive Coverage
Covers non-collision events such as theft, fire, vandalism, hail, or falling objects.
Medical Payments / Personal Injury Protection (PIP)
Helps cover medical expenses for you and your passengers after an accident.
Uninsured / Underinsured Motorist Coverage
Covers bodily injury and property damage you cause to others in an accident. Required in most state
Who Needs Auto Insurance?
What Is Not Covered?
Licensed drivers
Car owners and leaseholders
Daily commuters
Families with multiple drivers
New or experienced drivers
Normal wear and tear
Mechanical breakdowns
Intentional damage
Using your personal car for business (commercial auto required)
How Much Does Auto Insurance Cost?
Driving history and record
Vehicle type and value
Location and mileage
Coverage limits and deductibles
Why Get Auto Insurance Through Insurerodo?
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Frequently Asked Questions
What is the difference between Liability, Collision, and Comprehensive?
Liability: Required by law in almost every state. It pays for other people’s injuries or property damage if you are at fault.
Collision: Covers damage to your car if you hit another vehicle or object, regardless of fault.
Comprehensive: Covers non-collision events like theft, fire, vandalism, hail, or hitting an animal.
Note: If you have a car loan or lease, your lender will likely require both Collision and Comprehensive.
What is "Gap Insurance" and do I need it?
Cars depreciate quickly. If your car is totaled, standard insurance only pays the Actual Cash Value. If you owe $30,000 on a loan but the car is worth only $25,000, Gap Insurance pays that $5,000 difference so you aren’t stuck paying for a car you can no longer drive.
Why did my insurance premium increase this year?
In 2026, several factors are driving rate changes across the USA:
Advanced Vehicle Tech: Modern cars have sensors and cameras in bumpers and windshields that make minor repairs significantly more expensive.
Inflation: Higher costs for labor and parts.
Location Risk: Increased frequency of severe weather events in certain ZIP codes.
How can I lower my monthly premium?
The most effective ways to save in the current market are:
Bundling: Combining your Auto and Homeowners/Renters insurance.
Telematics (Usage-Based): Enrolling in programs like “Drive Safe & Save” or “Snapshot” to get a discount based on your actual safe driving habits.
Higher Deductibles: Increasing your out-of-pocket cost from $500 to $1,000 can lower your premium significantly.
Good Student Discount: Available for full-time students with a 3.0 GPA or higher.
What should I do immediately after an accident?
Safety First: Move to a safe area and call 911 if there are injuries.
Exchange Info: Get the other driver’s name, phone, insurance company, and policy number.
Photos: Take pictures of all vehicles, license plates, and the surrounding scene.
File Digitally: Most 2026 policies allow you to start your claim and upload photos instantly via our mobile app to speed up the process.