At EIA, our mission is to ensure your peace of mind on the road by providing comprehensive auto insurance that safeguards your finances and protects you from unexpected expenses. We offer personalized assistance to help you make informed decisions about your coverage, limits, and discounts to get the best deal possible.

Our auto insurance policies encompass various coverages, each designed to address different aspects of potential risks:

1. Liability Coverage:
Liability insurance takes care of bodily injury or property damage costs to others if you are at fault in an accident, up to the specified amount in your policy. Almost all states, except New Hampshire, require some level of liability protection. It’s a critical coverage to have, ensuring you comply with legal requirements and protect yourself financially in case of accidents.

2. Comprehensive and Collision Coverage:
Collision insurance handles damages to your vehicle resulting from accidents with another vehicle or an inanimate object. Comprehensive insurance covers damages caused by non-driving events, such as theft or hail damage. If your car is leased or financed, these coverages are usually mandatory. However, if you own your car outright, they become optional.

3. Personal Injury Protection (PIP) Coverage:
PIP covers medical expenses for you and your passengers, regardless of fault, in the event of an accident. It also provides coverage for lost wages if you’re unable to work due to injuries. PIP is required in 12 states, while in others, it may be optional or not available. It is beneficial if you want additional protection beyond your health insurance or if you lack health coverage.

4. Uninsured or Underinsured Motorist Insurance Coverage:
This coverage protects you and your passengers from bodily injury or property damage caused by uninsured or underinsured drivers. While it is required in some states, we recommend it for everyone, as a significant number of drivers on the roads are uninsured, putting you at risk.

With EIA, you, your family members, and others on your policy are covered whether driving your car or someone else’s with permission. However, it’s essential to note that personal auto insurance does not cover commercial use of your vehicle or services like ride-sharing. For such cases, we can discuss supplemental insurance options that cater to your specific needs.

At EIA, we are here to navigate the complexities of auto insurance for you. Our team will tailor a policy that perfectly suits your requirements, providing you with the confidence to drive safely and securely. Get in touch with us for a quote today, and you could save thousands of dollars per year! It takes just a few minutes to discover the potential savings and protection we can offer.