An auto insurance policy is a formal agreement that protects you from financial loss after an accident. You agree to pay a premium and a deductible, and in return, the insurance company pays for covered losses.

Key coverages include:

• Liability: Pays for injuries to others or damage to their property when you are at fault.
• Property: Covers your vehicle via Collision (accidents with other cars or objects) and Comprehensive (theft, fire, or weather).
• Medical Payments: Pays for medical bills for you and your passengers, regardless of who caused the accident.

Most policies last for six months or one year. We can also add specialized coverages to ensure the policy fits your specific needs.