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Auto insurance is a contract between you and an insurance company that provides financial protection against physical damage, bodily injury and liability resulting from accidents.

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Read "Your ultimate auto insurance guide”

Auto insurance provides financial protection in the event of accidents or theft. Most jurisdictions require basic coverage for drivers to legally operate a vehicle. Risks, requirements and legal specifics vary by state, so it’s best to read up on the particulars related to where you live. VIU by HUB offers auto insurance options and information for all 50 states. 

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Read “Car insurance add-ons to consider”

Common auto insurance coverages are liability, collision, comprehensive, uninsured/underinsured motorist, medical payments and personal injury protection.

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Read "Auto accident coverage and adding additional coverage”

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Auto insurance rates are determined by various factors like the driver’s age, driving history, location, type of car and levels of coverage.

Read “How to compare car insurance quotes”

Read “How telematics could lower your auto insurance premium”

If you’re found to be at fault in an accident, your liability coverage will pay for legal fees and the other party’s property damage and medical expenses, up to your policy limits. This may also lead to an increase in your auto insurance rates. 

Read “Injury, information, insurance: What to do after a hit and run”

Adding or removing someone from your auto insurance policy is easy to do, but it may impact your rates. An advisor or carrier rep can get that sorted out for you in no time.

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Read “Adding a teenager to auto insurance policies”

After filing an auto insurance claim, your insurer will assign a claims adjuster to investigate. They'll review any police reports, inspect vehicle damage, interview involved parties and determine fault. Depending on their findings, you'll receive a settlement offer covering repairs, replacements or medical expenses as applicable. If you agree, you'll be compensated; if not, you can negotiate. If you’re found to be at fault, your premiums might increase at the next renewal; if another party was responsible, your insurer might seek reimbursement from them or their insurance provider.

Read "When to file an auto insurance claim"

We recommend reviewing your auto insurance policy annually, around when renewal periods occur, or when you go through a life change like:

• Buying or selling a vehicle
• Getting married or divorced
• Adding a new driver (like a spouse or teenager)
• Moving to a new address (especially in a different state)
• Significant fluctuations in your credit score
• Substantial changes in your commute or the usage of your vehicle

VIU by HUB Advisors always look out for your best interests, so whether you’re looking to switch carriers, add coverages or need help getting insured for the first time, we’ll be sure to find you the protection you need at the best possible rate.

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Read “Life changes may mean insurance changes”