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Auto Insurance


Car Insurance That's Right For You

Insure Me Better offers the most comprehensive coverage in auto insurance and we will make sure you get you the policy you deserve at the price you should pay, not a penny more. Although car insurance is the most common type of insurance, there are several misconceptions about what really is protected at the end of the day. Here is some important information to keep in mind when shopping around for car insurance. 

What Does "Full Coverage" Really Mean?

Despite the popularity of the phrase, Full Coverage does not really cover everything. This phrase is used to allocate different types of coverages that provide an optimal amount of protection (this usually includes liability, comprehensive, and collision coverages). However, there are still plenty of coverage types that are not included under this classification. Here are some examples of such coverages not included under Full Coverage that are worth noting. (For explanation of terms see “Common Auto Insurance Terms” below)

  • Uninsured / Underinsured Motorist Coverage

  • Medical Payments Coverage

  • Rental Car Coverage

  • Emergency Roadside Assistance

  • Gap Coverage (Loan/Lease Coverage)

Having Full Coverage does not guarantee that you will not pay anything after an accident.  It is also important to understand that your liability coverage will only cover you up to the limits you selected and if you need to use the comprehensive and/or collision protection, you will still have to pay the deductible and .This is why it is also important to understand your Liability Limits

Common Auto Insurance Terms

Bodily Injury Liability Protection 
This coverage provides protection if you are legally liable for damages to an individual resulting from a car accident where you are at fault. These damages can include physical injury, pain and suffering, medical expenses, lost income compensation, and even legal fees. Limits are usually presented in a XX/XX format (Total amount covered per person / Total amount covered per accident).

Property Damage Liability Protection
This coverage provides protection if you are legally liable for damages to another’s property resulting from an accident where you are at fault. This includes buildings, fences, other vehicles, etc.

Comprehensive Coverage
This coverage helps pay for damage to your insured vehicle caused by natural disasters, a civil disturbance, falling objects, fires, hitting or being hit by an animal, theft, and vandalism.

Collision Coverage
This coverage helps pay for damage to your insured vehicle by a covered accident with another vehicle, a rollover, or a collision with structures like poles and buildings. It is important to note that a deductible will still need to be paid in order for this coverage to kick in and if totaled, you will be covered up to the current market value of your car.

Uninsured / Underinsured Motorist Protection
This coverage protects you if you are involved in an accident where the at-fault driver either does not carry liability insurance or has liability limits are not sufficient to cover the damages and medical expenses incurred.

Medical Payments Coverage
This coverage provides protection for reasonable and necessary medical expenses incurred as a result of bodily injury sustained by you in a covered accident. If you have a more robust medical insurance in addition to your car insurance, this coverage can be used to pay the deductible of that insurance.

Rental Car Coverage
If you have experience and accident, theft, or vandalism, this coverage will help reimburse pay for or reimburse a portion of a car rental fee while your car is in the repair shop up to 30 days.

Emergency Roadside Assistance Coverage
If your car ever breaks down on the road, this coverage will cover the expenses of receiving roadside services such as car towing, flat tire change, battery jump-start, fuel delivery, and/or locksmith service.

Post-Accident Checklist

Although we hope you never experience and accident, we believe it is always good to be prepared. Here is a checklist of the things you should do immediately after an accident for you to keep in your car.

Car Interior

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