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Car Insurance Coverage

Car insurance coverage is a legal requirement in most states, but the specific requirements vary. Generally, drivers must carry a minimum amount of liability coverage to protect against financial responsibility in case of an accident. This includes bodily injury and property damage coverage. In some states, uninsured/underinsured motorist coverage is also required. The minimum coverage levels vary, so drivers should check their state's specific requirements for the best protection.

Auto Insurance

Types of Car Insurance Coverage

A clear, step-by-step overview of the three core categories—Liability, Protection for Your Car, and Medical & Add-ons.

1

Liability Coverage

Required in most states—covers injuries and property damage you cause to others.

2

Coverage to Protect Your Car

Pays to fix or replace your vehicle after a crash, theft, weather, or other covered events.

3

Medical Coverage & Add-ons

Help with medical bills for you and your passengers, plus optional extras.

Additional Car Insurance Coverage

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Rideshare Coverage icon

Rideshare Coverage

Access our extensive network of over 300 agencies across the country. No matter where you are, our local agents are ready to provide personalized service and support.
Rental Car Reimbursement Coverage icon

Rental Car Reimbursement Coverage

Enjoy peace of mind with our extensive coverage options. We provide comprehensive protection to ensure you're covered no matter what happens on the road.
Original Parts Replacement Coverage icon

Original Parts Replacement Coverage

Experience the convenience of our fully online insurance process. Get a quote, purchase your policy, and manage your account all from the comfort of your home.
Rideshare Coverage icon

Rideshare Coverage

Access our extensive network of over 300 agencies across the country. No matter where you are, our local agents are ready to provide personalized service and support.
Rental Car Reimbursement Coverage icon

Rental Car Reimbursement Coverage

Enjoy peace of mind with our extensive coverage options. We provide comprehensive protection to ensure you're covered no matter what happens on the road.
Original Parts Replacement Coverage icon

Original Parts Replacement Coverage

Experience the convenience of our fully online insurance process. Get a quote, purchase your policy, and manage your account all from the comfort of your home.

Frequently Asked Questions

Find answers to common questions about car insurance coverage and our services.

What Does Auto Insurance Cover?

Auto Insurance covers damage to your vehicle and liability for injuries or property damage.

How Much Auto Insurance Do I Need?

The amount of auto insurance you require is determined by your car, your driving style, and state regulations. State-mandated liability coverage, which is commonly $25000 for bodily injury per person, $50000 for total bodily injury per accident, and $25000 for property damage per accident, is the minimal amount of auto insurance that is normally required.

What Factors Affect Auto Insurance Rate?

Auto insurance rates are influenced by factors like age, driving history, credit score, years of driving experience, location, gender, insurance history, annual mileage, marital status, claims, and discount options.

What Is Typically Not Covered by Car Insurance?

If the issue in your car is the result of a collision or accident, your car insurance will pay the repair cost. However, car insurance does not cover regular maintenance or cosmetic enhancements.

What Information Do I Need to Start a Car Insurance Quote?

To start a car insurance quote with L.A. Insurance, you'll need basic personal and vehicle information like a driving license, vehicle identification number, and physical address.

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