What Is Auto Insurance?

Auto insurance is a contract between you and your insurance provider that protects you financially after a car accident, theft, or other vehicle-related damage. In exchange for a monthly premium, your insurer helps cover the cost of repairs, liability claims, medical bills, and more.

The right policy helps ensure that one accident doesn’t become a long-term financial problem.

What Does Auto Insurance Cover?

Auto insurance typically includes several types of coverage, such as:

• Liability coverage – Pays for injuries and property damage you cause to others

• Collision coverage – Helps repair or replace your car after a crash

• Comprehensive coverage – Covers theft, vandalism, fire, or falling tree branches

• Uninsured/underinsured motorist – Protects you if the other driver has little or no insurance

• Medical payments – Helps with medical costs for you or your passengers

• Towing & Roadside Assistance — Help when you’re stranded, locked out, or stuck on the side of the road

• Rental Car Reimbursement — Coverage for a temporary vehicle while yours is being repaired after a covered claim

We’ll help you choose the right combination of coverage based on your driving habits, vehicle type, and budget.

Going Beyond the Auto Insurance Laws Across the U.S.

Auto insurance requirements vary from state to state, but one thing stays the same — the legal minimum is rarely enough to fully protect you.

At TrailView Insurance Agency, we help drivers across the country stay compliant with their state’s liability requirements, and then go further — building personalized policies that actually reflect your real-world risks.

Whether you’re legally required to carry liability-only or you're looking for full coverage with added benefits, we’ll guide you through your options, explain what coverage you need (and why), and make sure you’re protected at every turn.

Legal doesn’t always mean secure. That’s why we help you go beyond the basics.

Why Auto Insurance Matters

Even the most careful drivers can’t control what happens on the road. Here’s how the right auto insurance policy can protect you from serious financial setbacks:

• You rear-end another vehicle and cause $15,000 in property damage

• A deer hits your car on a backroad at night, damaging your hood and windshield

• A sudden storm sends a tree limb crashing onto your parked vehicle

• You’re hit by an uninsured driver and left with major repair bills

Without the right coverage in place, any of these moments could cost you thousands — out of pocket.