Protect Yourself, Your Vehicle, and Others on the Road
Your automobile is an important part of your everyday life. Whether you're commuting to work, taking the kids to school, or simply running errands, the right auto insurance coverage can help protect you from the financial consequences of an accident, theft, or other covered loss.
At A-1 Insurance Services Inc, we help you understand your auto insurance options and find coverage that fits your needs and budget.
What Does Auto Insurance Cover?
Auto insurance can provide several different types of protection. Your specific coverage depends on the policy you choose, your vehicle, and your individual circumstances.
Bodily Injury Liability
Bodily Injury Liability helps pay for injuries you cause to another person in an accident for which you are legally responsible.
It may help cover eligible medical expenses, lost wages, legal expenses, and settlements, subject to your policy limits.
Property Damage Liability
Property Damage Liability helps pay for damage you cause to another person's vehicle or other property in an accident for which you are responsible.
Collision Coverage
Collision coverage can help pay to repair or replace your vehicle when it is damaged in a covered collision, subject to your deductible and policy terms.
Comprehensive Coverage
Comprehensive coverage can help protect your vehicle against certain losses that are not caused by a collision.
Examples may include:
- Theft
- Vandalism
- Fire
- Falling objects
- Hail
- Flood
- Damage caused by animals
Uninsured and Underinsured Motorist Coverage
Unfortunately, not every driver on the road carries enough insurance—or any insurance at all.
Uninsured and Underinsured Motorist coverage can help protect you and your passengers when you're involved in a covered accident with a driver who has no insurance or does not have enough insurance to cover your damages, subject to the policy terms and applicable state law.
Medical Payments Coverage
Medical Payments coverage can help pay certain medical expenses resulting from injuries sustained in a covered automobile accident, regardless of who is at fault, subject to the policy terms and limits.
Rental Reimbursement
Rental Reimbursement coverage can help pay for a rental vehicle while your insured vehicle is being repaired following a covered loss, subject to the policy's limits and conditions.
Roadside Assistance
Roadside Assistance can provide services for certain covered roadside emergencies, such as towing, jump-starts, flat tires, lockouts, or running out of fuel, depending on the policy.
SR-22 Insurance
What Is an SR-22?
An SR-22 is not an insurance policy. It is a financial responsibility filing that an insurance company files with the state on behalf of an insured individual.
An SR-22 may be required after certain driving-related violations or circumstances. Requirements vary depending on the state and the individual's driving history.
If you are required to maintain an SR-22, you generally must maintain the required auto insurance coverage for a specified period. If your policy is canceled or otherwise lapses, the insurance company may be required to notify the state.
Who Might Need an SR-22?
An SR-22 may be required for situations such as:
- Certain DUI/DWI convictions
- Driving without required insurance
- Certain serious traffic violations
- Multiple driving violations
- License suspension or reinstatement requirements
The specific requirements depend on your state and individual circumstances.
What Is an FR-44?
An FR-44 is also a financial responsibility filing, but it is different from an SR-22.
In states where FR-44 filings are used, they are generally associated with certain serious alcohol- or drug-related driving offenses and typically require higher liability insurance limits than standard policies.
Virginia and Florida are the primary states that use FR-44 filings.
If you are required to have an FR-44, maintaining the required insurance coverage is important. A cancellation or lapse in coverage may result in the insurance company notifying the state.
SR-22 vs. FR-44
SR-22
Financial responsibility filing |
Used for various qualifying driving violations |
Required coverage limits depend on the state |
Used in many states |
Filing is made by the insurance company |
FR-44
Financial responsibility filing |
Generally associated with certain alcohol/drug-related driving offenses |
Typically requires higher liability limits |
Primarily used in Virginia and Florida |
Filing is made by the insurance company |
Why Choose A-1 Insurance Services Inc?
We understand that auto insurance isn't the same for everyone. Your driving history, vehicle, coverage needs, and state requirements can all affect your insurance options.
As an independent insurance agency, A-1 Insurance Services Inc works with multiple insurance companies and can help you compare available options.
Let us help you find the coverage that's right for you.
Get an Auto Insurance Quote
Protect yourself. Protect your vehicle. Protect your future.
Contact A-1 Insurance Services Inc today for a personalized auto insurance quote.