Standard Personal Auto Insurance

Protecting you, your passengers, and your vehicle on the road

Standard Personal Auto Insurance provides financial protection if you’re involved in an accident, your vehicle is damaged, or you cause injury or property damage to others. It is the foundational coverage required by law in most states and is essential for anyone who owns or drives a vehicle.

Why Drivers Need It

  • Legal compliance — Meets state minimum insurance requirements for liability coverage.

  • Financial protection — Covers costly repairs, medical bills, and legal expenses after an accident.

  • Peace of mind — Ensures you’re protected whether you’re commuting, running errands, or traveling.

  • Lender requirements — If you finance or lease a vehicle, full coverage is typically mandatory.

What Standard Personal Auto Insurance Includes

1. Liability Coverage (Required in most states)

Protects you if you cause an accident that injures someone or damages their property.

  • Bodily Injury Liability — Medical expenses, lost wages, legal defense.

  • Property Damage Liability — Repairs or replacement of another person’s vehicle or property.

This is the core protection that keeps you legally compliant.

2. Collision Coverage

Pays to repair or replace your vehicle if it’s damaged in a collision—regardless of who is at fault. Covers accidents involving:

  • Other vehicles

  • Objects (poles, fences, guardrails)

  • Single‑vehicle collisions

3. Comprehensive Coverage

Protects your vehicle from non‑collision events, including:

  • Theft

  • Vandalism

  • Fire

  • Falling objects

  • Weather damage (hail, wind, flooding)

  • Animal collisions

4. Medical Payments (MedPay) or Personal Injury Protection (PIP)

Covers medical expenses for you and your passengers, regardless of fault.

  • Hospital bills

  • Ambulance costs

  • Rehabilitation

  • In some states, PIP also covers lost wages and essential services

5. Uninsured / Underinsured Motorist Coverage (UM/UIM)

Protects you if you’re hit by a driver who has no insurance or not enough insurance. Covers:

  • Medical expenses

  • Lost wages

  • Pain and suffering

  • Vehicle damage (in some states)

6. Optional Add‑Ons

Drivers can enhance their policy with:

  • Roadside assistance

  • Rental reimbursement

  • Gap coverage (for financed/leased vehicles)

  • Custom equipment coverage

  • Rideshare coverage (Uber/Lyft)

Who Standard Auto Insurance Is Ideal For

Anyone who owns, leases, or regularly drives a vehicle, including:

  • Daily commuters

  • Families with multiple vehicles

  • Young drivers

  • Rideshare drivers (with proper endorsements)

  • Anyone financing or leasing a car

Why It Matters

Accidents happen—even to careful drivers. Standard Personal Auto Insurance ensures you’re protected from unexpected financial loss, legal exposure, and costly repairs. It’s the essential foundation of responsible vehicle ownership.