AUTO

Get the best auto insurance coverages for your needs

From accidents and windshield damage to lawsuits and more, we have affordable insurance options to protect against just about anything.
Remember, there’s no combination of coverages that we’d call a “full coverage policy.”
Coverages we offer at Pimentel Garcia Insurance:

  • Liability: If you’re at fault in an accident, liability coverage pays for damages or injuries you cause to others, plus lawsuit costs if you’re sued, up to your policy’s limits. See more on liability coverage.
  • Uninsured and underinsured motorist bodily injury and property damage (UMBI/PD): Uninsured/underinsured motorist insurance pays for injuries and/or damage to your vehicle, up to specified limits, if you’re hit by a motorist with no insurance or not enough coverage. See more on UMBI/PD coverage.
  • Medical payments: Regardless of fault, medical payments can cover medical bills and funeral expenses if you’re in an accident. Coverage extends to family members and your passengers. In some states, personal injury protection substitutes for medical payments and covers you similarly. See more on medical payments.
  • Other than Collision or Comprehensive: if you car is damaged or totaled due to an event out of your control (theft, vandalism, fire, glass breakage, hitting an animal or weather-related issues), comprehensive coverage can pay to repair or replace your vehicle, minus any deductible. See more on comprehensive coverage.
  • Collision: Collision coverage can pay to repair or replace your vehicle, minus your deductible, if your vehicle collides with a car, motorcycle, tree, guardrail, or any other object—regardless of fault. See more on collision coverage.
  • Loan or lease payoff coverage: Also known as “gap insurance,” loan lease payoff coverage can cover the difference between what you owe on your vehicle loan and what the vehicle was actually worth before it was totaled. See more on gap coverage.
  • Rental car reimbursement: If you’re involved in a covered accident and unable to drive your vehicle, rental car coverage can reimburse you for the cost of a rental car while your vehicle is being repaired. See more on rental car reimbursement.
  • Roadside assistance: If your vehicle is disabled for any reason, our roadside coverage provides towing to the nearest repair facility or up to 15 miles to the mechanic of your choice.
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Still have questions? Check out our FAQ!

When financing or leasing a vehicle, your lender may use the term “full coverage,” but that simply means they’re requiring you to carry comprehensive and collision plus anything else your state mandates. Liability is a required coverage in nearly every state, while comprehensive and collision (physical damage coverages) are optional.

Instead of asking, “is my car insurance full coverage?,” ask your agent or insurance company if you have the right coverages. Paying for every protection offered by your insurance company could be a waste of money. On the other hand, while your lender may consider state-minimum liability as sufficient, that may not be enough coverage to properly protect you and the other drivers on your policy. Your coverages should be customized to you, your family, and your vehicle.

Liability vs “full coverage”. What’s the difference? 

Carrying liability-only coverage on your auto policy means you’re covered, up to specified limits, for damages or injuries you cause to someone else. A liability-only policy will not cover damages to your vehicle. You need to add comprehensive and collision coverages in order protect your vehicle against physical damage. Many lenders, agents, and car dealerships describe “full coverage”auto insurance as liability plus comprehensive and collision.I have “full coverage”. Am I fully covered?

Not necessarily. Full coverage comes in many different sizes…or coverages in insurance terms. Insurance agents take time to thoroughly review your specific needs in order to protect your assets that you have worked so hard for

Beyond having enough insurance to drive in your state legally, it’s critical to choose the right coverage by determining how much you can afford to pay for damages you cause or suffer. Use our car insurance calculator to see how much coverage may be right for you. Learn more about selecting the right coverages and limits for you. 

Comprehensive insurance is commonly confused with collision. They both insure your car but cover different events. Collision covers car accidents, and comprehensive covers events out of your control. Think of it like this: Collision is colliding with something else (other than animals). Comprehensive is basically all other events. Accidents with animals are covered by comprehensive (and not collision) because these accidents are considered out of your control.

To get the most accurate quote, you need to supply your car’s make, model, and year, as well as information about your driving history. To purchase an auto policy, you’ll need your vehicle identification number (VIN) handy. We’ll also ask for your Social Security and driver’s license number. Ready to get started? Get a quote online or call us at 1-877-778-5214 or 704-272-3535.

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