Coverage built for every driver

From basic liability to full comprehensive protection, I offer auto coverage options that match real driving needs at every stage of life.

Coverage Options

Coverage tiers laid out side by side

From baseline liability to full comprehensive protection, I shape each coverage type to address a specific risk on the road.

Most Complete Plan

Comprehensive Complete Plan

The broadest protection I offer, covering the full range of damage scenarios from collisions to weather events, theft, and more.

Collision Coverage Theft and Vandalism Weather Damage Uninsured Motorist
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Collision Coverage

Covers repair or replacement after a crash with another vehicle or fixed object, regardless of fault.

  • Accident repairs covered
  • No fault restriction
  • Vehicle replacement
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Liability Coverage

Pays for bodily injury and property damage owed to another party when the insured driver is at fault.

  • Bodily injury claims
  • Third party property damage
  • Adjustable limits
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Uninsured Motorist

Protects against financial loss when an at fault driver carries no insurance or insufficient limits to cover damages.

  • Uninsured driver protection
  • Underinsured coverage
  • Medical cost support
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Roadside Assistance

Round the clock dispatch for flat tires, dead batteries, lockouts, fuel delivery, and tows across the local service radius.

  • 24/7 nationwide dispatch
  • Towing and fuel delivery
  • Battery and lockout help
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Rental Reimbursement

Covers daily rental costs while a covered vehicle is in for authorized repairs after a covered claim activates.

  • Activates on claim
  • Daily rental allowance
  • No advance auth needed
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Medical Payments

Routes hospital intake, ambulance, and follow up therapy invoices for both driver and seated passengers after a covered incident.

  • Driver and passenger coverage
  • Fault independent payout
  • Hospital and treatment costs
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InsureMotos coverage
Why InsureMotos

Why thousands of drivers choose InsureMotos for coverage.

Clear terms, consistent support, and a process I designed around the driver.

01
Policies Written in Plain Language
02
Consistent Support Through Every Claim
03
Coverage That Adjusts to Life Changes
04
Straightforward Signup and Renewal
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Collision coverage applies when a vehicle makes contact with another vehicle or object during an accident, regardless of fault. Comprehensive coverage applies to damage caused by events outside of a collision, such as theft, weather, fire, or falling debris. Many drivers carry both to ensure full protection across all common damage scenarios.
Pennsylvania requires insurers to offer uninsured motorist coverage, but drivers may choose to reject it in writing. Given that uninsured drivers remain a presence on the road, carrying this coverage is widely recommended to avoid absorbing repair and medical costs caused by a driver who cannot pay. I can help you determine the appropriate limit for your situation.
Once a covered claim is approved and the vehicle is in for repair, rental reimbursement activates automatically. A daily allowance is applied toward a rental vehicle for the duration of the repair period. You arrange the rental directly, and costs within the covered limit are reimbursed without requiring advance authorization on each rental day.
Liability limits can be set well above state minimum requirements. Many drivers choose higher limits to protect personal assets in the event of a serious accident where damages exceed the base coverage amount. Increasing liability limits generally adds a modest amount to the monthly premium and can be done at signup or at any point during the active policy period.
Coverage Questions

Common questions about auto coverage, answered.

Understanding what each coverage type does before selecting a plan makes for a more confident decision. These answers address the questions that come up most often when you are comparing options.

Need help picking coverage?

I'm available to walk through any coverage scenario with you and help identify the right protection level for your situation.

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Get Covered

The right coverage is a few clicks away.

Request a personalized quote from me, choose coverage that fits your vehicle and budget, and get proof of insurance the same day. No waiting, no hidden fees, no complicated process.

Fast Quotes
Full Coverage
24/7 Support
No Hidden Fees