Welcome to your in-depth guide on auto insurance from Borbolla Insurance Agencies. Our goal is to help you make confident decisions when choosing a policy—so your vehicle, and your peace of mind, are fully protected.
What Is Auto Insurance?
Auto insurance is a contract between you and your insurance provider that offers financial protection in the event of an accident, theft, or other vehicle-related incidents. It typically covers:
- Liability for injuries or property damage you cause
- Medical expenses
- Damage to your vehicle
- Additional protections depending on your policy
Understanding Your Policy
Auto insurance is made up of different components:
- Coverage – The types of protection your policy includes
- Limits – The maximum your policy will pay per claim
- Premium – The cost of your insurance, typically paid monthly or yearly
- Deductible – The amount you pay out of pocket before coverage kicks in
The Myth of "Full Coverage"
“Full coverage” isn’t a formal insurance term. It usually refers to a policy that includes:
- Liability
- Comprehensive
- Collision
However, the right coverage depends on your personal needs, budget, and legal requirements.
Essential Types of Coverage
- Liability Coverage
Pays for bodily injury or property damage if you’re at fault in an accident. - Medical Payments / Personal Injury Protection (PIP)
Helps cover medical bills for you and your passengers—regardless of fault. - Uninsured / Underinsured Motorist Coverage
Protects you if the other driver lacks enough insurance to cover the damages.
Protecting Your Vehicle
- Collision Coverage
Covers damage to your vehicle from accidents, regardless of fault. - Comprehensive Coverage
Covers theft, vandalism, weather damage, and other non-collision events.
Optional Add-Ons
- Emergency Roadside Assistance – Towing, jump-starts, flat tire changes, and more
- Rental Reimbursement – Pays for a rental while your vehicle is in the shop
- Mechanical Breakdown Insurance – Covers repairs not included in a standard warranty
How to Tailor Your Coverage
To find the right policy, consider:
- State minimum requirements
- Your loan or lease insurance requirements
- Your ability to pay a deductible
- The value of your car
- Your personal comfort with risk
Conclusion
Auto insurance is more than a legal requirement—it’s your financial safety net. At Borbolla Insurance Agencies, we’re here to help you build the right coverage for your needs and budget.
Have questions or ready to get started? Contact us today for a free, no-obligation quote.
