Liability Coverage
Liability coverage is the foundation of any auto insurance policy and is required in virtually every state. This essential protection covers you financially when you're at fault in an accident that causes bodily injury or property damage to others.
With liability coverage from My Auto Ins, you're protected against lawsuits, medical bills for injured parties, and repair costs for damaged property. We offer coverage limits that exceed state minimums, ensuring you have comprehensive protection when you need it most.
Add to Quote
Liability Coverage
Comprehensive protection tailored to your needs
Collision Coverage
Collision coverage protects your vehicle when it's damaged in an accident with another vehicle or object, regardless of who is at fault. Whether you collide with another car, a fence, or a tree, this coverage helps pay for repairs or replacement of your vehicle.
Our collision coverage features competitive deductibles and works with our network of trusted repair shops to get you back on the road quickly. We also offer diminishing deductible programs that reduce your out-of-pocket costs over time as a reward for safe driving.
Add to Quote
Collision Coverage
Protection for vehicle accidents
Comprehensive Coverage
Comprehensive coverage protects your vehicle from damage caused by events other than collisions. This includes theft, vandalism, natural disasters, falling objects, fire, and animal strikes—essentially anything that can damage your car that isn't a collision.
With comprehensive coverage from My Auto Ins, you gain peace of mind knowing your vehicle is protected against the unexpected. Our claims process for comprehensive damage is streamlined and efficient, with dedicated adjusters who specialize in these types of claims.
Add to Quote
Comprehensive Coverage
Full protection beyond collisions
Uninsured/Underinsured Motorist
Unfortunately, not all drivers carry adequate insurance. Uninsured and underinsured motorist coverage protects you when you're involved in an accident with a driver who either has no insurance or insufficient coverage to pay for your damages and injuries.
This coverage is crucial in today's driving environment where many motorists remain uninsured despite legal requirements. Our UM/UIM coverage includes both bodily injury and property damage protection, ensuring you're never left paying out of pocket due to someone else's negligence.
Add to Quote
Uninsured Motorist
Protection from uninsured drivers
Medical Payments Coverage
Medical payments coverage, also known as MedPay, helps pay for medical expenses for you and your passengers after an accident, regardless of who was at fault. This coverage kicks in immediately and can cover hospital visits, surgery, X-rays, and other medical treatments.
MedPay works alongside your health insurance and can cover deductibles and copays that your health plan doesn't. It also extends to cover you as a pedestrian or cyclist if you're hit by a vehicle, providing versatile protection for your active lifestyle.
Add to Quote
Medical Payments
Coverage for medical expenses
Roadside Assistance
Roadside assistance provides help when your vehicle breaks down or you encounter trouble on the road. Services typically include towing, battery jump-starts, flat tire changes, lockout assistance, and fuel delivery—available around the clock.
Our roadside assistance network covers you anywhere in the country with a single phone call. We've partnered with trusted service providers to ensure quick response times and professional service, so you're never stranded for long.
Add to Quote
Roadside Assistance
24/7 emergency help
New Car Replacement
If your new car is totaled within the first few years of ownership, standard insurance only pays the depreciated value—which is often thousands less than what you paid. New car replacement coverage bridges this gap by replacing your totaled vehicle with a brand new one of the same make and model.
This coverage is particularly valuable for drivers who purchase or lease new vehicles. It protects your investment and ensures that a total loss doesn't leave you financially upside down or without reliable transportation.
Add to Quote
New Car Replacement
Full value for new vehicles
Rental Reimbursement
When your vehicle is in the shop for covered repairs, rental reimbursement coverage pays for a rental car so you can maintain your daily routine. This coverage provides a daily allowance for rental costs up to a specified maximum per incident.
We've partnered with major rental car companies to offer seamless service. In many cases, we can arrange direct billing so you never have to pay out of pocket and wait for reimbursement—just pick up your rental and go.
Add to Quote
Rental Reimbursement
Stay mobile during repairs
Gap Insurance
Gap insurance covers the difference between what you owe on your vehicle loan or lease and the actual cash value of your vehicle if it's totaled. Without gap coverage, you could owe thousands of dollars on a car you can no longer drive.
This coverage is essential for anyone who financed their vehicle with a low down payment or has a long-term loan. It protects you from negative equity situations and ensures a total loss doesn't create lasting financial hardship.
Add to Quote
Gap Insurance
Bridge the loan gap