Types of Coverage

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What is Accident Forgiveness auto insurance?

Many auto insurance companies now advertise “accident forgiveness” as a selling feature of their products. Most people assume this means they will not be held responsible for an accident, but this is not necessarily true. Accident forgiveness operates differently between different companies, and each provider has its own way of dealing with at-fault accidents and...

Many auto insurance companies now advertise “accident forg...

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What is comprehensive car insurance coverage?

Comprehensive car insurance, also called OTC (“other than collision”) coverage, or “comp,” is a type of coverage available on most vehicles that takes care of damage to a vehicle caused by things besides a wreck. Some examples of things covered by comp are fire, theft, flood, or broken glass from falling objects. Comprehensive coverage takes...

Comprehensive car insurance, also called OTC (“other than ...

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What is GAP auto insurance?

GAP insurance is probably the best self-explained acronym in the auto insurance industry especially compared to some like PIP, MPM, UIM, and others. The letters GAP stand for “guaranteed auto protection” and refers to the replacement cost of your vehicle. How guaranteed auto protection insurance works is that this type of coverage kicks in when...

GAP insurance is probably the best self-explained acronym in...

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SR 22 Insurance

An SR 22 form requirement is often given to people driving while under the influence, operating a car with no insurance or driving recklessly can result in fines, license restriction or suspension, and possibly jail time. Even if an individual is fortunate enough to escape all these other penalties, they will most likely be considered...

An SR 22 form requirement is often given to people driving w...

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