Auto Insurance

Car insurance is a contract between you and an insurance company: you agree to pay a premium, and in return, the insurer helps protect you from certain financial losses if you’re involved in an accident or your vehicle is damaged. Without auto insurance, you could be responsible for paying these costs entirely out of pocket, which can quickly become overwhelming.

A standard auto insurance policy can provide protection in several key areas, depending on the coverages you choose:

• Vehicle damage – Helps pay to repair or replace your vehicle if it’s damaged in a covered accident, or if it’s affected by events like theft, vandalism, fire, or certain weather-related incidents (with comprehensive and collision coverage).
• Damage to others – Liability coverage can help pay for property damage you cause to another person’s vehicle or other property in an at-fault accident.
• Injuries to others – Bodily injury liability can help cover medical expenses, lost wages, and legal costs if you’re found responsible for injuring someone else in an accident.
• Medical expenses for you and your passengers – Depending on your policy and state, medical payments coverage (MedPay) or personal injury protection (PIP) can help pay for medical bills for you and your passengers, regardless of who is at fault.
• Uninsured/underinsured motorists – If you’re hit by a driver who has no insurance or not enough insurance, this coverage can help protect you and your vehicle from those losses.

Many states require certain minimum levels of auto insurance, but those minimums may not be enough to fully protect you, your family, or your assets. At Live Oak Insurance & Financial, we can help you understand your options, choose appropriate coverage limits, and find a policy that balances protection and affordability—so you can drive with greater confidence every day.

Erie Insurance has been providing the protection you need and the service you expect, all at a great price. See why more than 90% of customers stay with Erie Insurance year after year.