Direct General Insurance Company
Car Insurance Coverage Options
Get to know our car insurance coverages below and don't hesitate to contact us with any questions. Friendly agents are standing by to walk you through the ins and outs of auto insurance! Read on to learn about the different types of coverages we offer.
LIABILITY: Liability insurance is one of the most basic type of car insurance. You might hear other drivers refer to this family of coverage as "liability only" or "minimum auto insurance." It generally includes Bodily Injury Liability and Property DamageLiability coverages. If you cause an accident, these coverages help pay for the other driver's medical expenses and property damage (but not yours).
COMP & COLLISION: Comprehensive and Collision are usually purchased together. Comprehensive (also referred to as “Other than Collision Coverage”) helps pay for damages to your car if it's stolen or damaged in an event other than a collision, like a storm or contact with an animal. Collision will pay for your car to be repaired or replaced if it hits another object or is hit by a "hit and run" driver. There's a good chance you'll be required to carry Comprehensive and Collision coverage if your car is leased or financed.
MEDICAL PAYMENTS: Medical Payments is an optional coverage that will help pay for medical, hospital, and funeral expenses in the event of an auto accident, no matter who is at fault.
PERSONAL INJURY PROTECTION: Personal Injury Protection,or PIP, is another coverage that helps pay for certain medical, hospital, and funeral expenses in the event of an auto accident, no matter who is at fault. In some states, Personal Injury Protection is required in addition to your other auto insurance coverage, while other states offer it as optional insurance. PIP coverage is not available in all states.
UNINSURED MOTORIST: Uninsured Motorist Coverage, or UM Coverage, will help pay for your expenses if you're injured in a car accident and the at-fault driver can't be identified, doesn't have liability insurance, or doesn't have enough liability insurance to cover your claim. In some states, Uninsured Motorist Coverage applies only for bodily injuries, in others it is available for property damage as well. In certain states coverage for an “underinsured motorist” (where the at-fault driver has liability insurance but it is not sufficient to cover your damages) is sold as a separate coverage.
RENTAL REIMBURSEMENT: Rental cars aren't always cheap. Rental Reimbursement will help reimburse you for the cost of a rental car if your vehicle can't be driven after an auto accident or other covered loss.
TOWING: If your car breaks down or can't be driven after an accident, Towing Coverage can help cover or reimburse you for emergency towing costs (up to the limit selected).
ACCIDENTAL DEATH: If you were to die as a result of a covered accident, optional Accidental Death Coverage would pay $5,000 to your beneficiaries.
Why Choose Direct for Car Insurance?
Direct Auto isn't your average car insurance company. Our friendly agents work with you to get you the coverage you need at an affordable price — regardless of your insurance history. From low down payments to low monthly payments, multiple discounts to multiple ways to pay, you really can have it all when you choose Direct Auto. Depending on your situation, that could even mean cheaper, more affordable car insurance.
What's more, car insurance companies only give you one way to get in touch; however, we are here for you, which is why we offer customer service online, over the phone, and in-person at more than 400 store locations across the country. When you need us, we're there, and we're ready to talk car insurance prices, SR22s, help with getting the right coverage when your teens start driving, and so much more. We like to think this sets us apart from the other guys!
How Do I Get a Car Insurance Quote?
Ready to see how much you could be saving on car insurance with Direct Auto? You can get a car insurance quote almost anywhere, anytime. It's easy! Get a free car insurance quote online, call 1-877-GO-DIRECT (1-877-463-4732), or visit a Direct Auto location near you. Immediate auto insurance coverage and proof of insurance are a call, click, or visit away!
Click Here to Learn More
Your browser must support cookies to use the shopping cart.
1736 East Little Creek Road
Norfolk, VA 23518
Mon-Fri 9:00 am to 5:30 pm
Sat 9:00 am to 2:00 pm