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Coverage Options
Understanding your coverage options helps you build a policy that protects what matters — without paying for what you don't need.
Liability Insurance
State-minimum liability coverage required for license reinstatement after suspension. Covers bodily injury and property damage you cause to others, with limits varying by state from 15/30/5 to 50/100/25.
Full Coverage
Combines liability, collision, and comprehensive coverage for drivers with financed vehicles or higher-value cars. Premiums increase 40-300% after DUIs, at-fault accidents, or multiple violations.
Non-Standard Auto Insurance
Specialized policies for drivers with DUIs, suspended licenses, multiple tickets, or lapses in coverage. 12-24 month policy terms help drivers transition back to standard carriers after maintaining clean records.
Uninsured Motorist Coverage
Protects you when hit by uninsured or underinsured drivers, mandatory in 20 states. Particularly relevant for drivers rebuilding coverage after lapses who face higher accident risk exposure.
SR-22 Insurance
Certificate of financial responsibility filed by your insurer to your state DMV after DUI, major violations, or license suspension. Required for 3-5 years in most states before reinstatement.
