Auto Insurance Coverage
   What coverages do I need?

Without the right auto insurance coverage, you could lose your savings and other assets if you're held responsible for injuries to another person or damage to their property. To make sure you have the right auto insurance, spend a few minutes with your Russo Insurance Agency agent. It could save you a lifetime of worries!

State Requirements
In most states, you are required to carry minimum auto liability coverage (or post a bond) and provide proof of insurance before you can license your vehicle or renew your driver's license. If you are caught driving without insurance, you may have to pay a large fine and have your driver's license suspended.

Types of Auto Insurance Coverages
There are many different types of auto insurance coverages for you to choose from. We can work with you to decide what coverage combinations provide the best protection at a price that fits your budget.

  Bodily Injury - Pays for injury to others when you are at fault.

  Property Damage - Pays for property damage when you are at fault.

  Medical Payments - Pays for your own or your passenger's medical expenses.

  Personal Injury Protection - In no-fault states, this covers a broad assortment of medical expenses.

  Uninsured/Underinsured Motorist - Coverage for you if other driver is not insured or is underinsured.

  Fault or No-Fault - Depends on state law.

  Collision - Pays damages to your own vehicle.

  Comprehensive - Pays for losses from fire, theft, storm, etc.

  Deductible - The amount of a covered loss you agree to pay.

In addition to basic auto insurance, consider these optional services to provide added protection for your vehicle:

  Emergency roadside assistance and towing service
  Auto glass replacement
  Mechanical breakdown insurance
  Car rental reimbursement