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OUR SERVICES

Comprehensive Auto Insurance Coverage for Every Driver

From liability protection to comprehensive coverage, we offer tailored insurance solutions that protect you and your vehicle on every journey.

Rideshare Insurance

Liability Coverage

Liability coverage protects you financially if you cause damage to another person or their property while driving. This essential coverage pays for medical expenses, property damage, and legal fees if you're found responsible for an accident.

Bodily injury protection for other parties
Property damage coverage for vehicles and structures
Legal defense costs and court fees
Settlement and judgment payments
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Collision Insurance

Collision Insurance

Collision insurance covers repair or replacement costs for your vehicle when accidents happen, regardless of who is at fault. This coverage ensures you can get back on the road quickly without bearing the full financial burden.

Vehicle repair costs after collision accidents
Replacement value for totaled vehicles
Single-car accidents and rollovers included
Flexible deductible options to suit your budget
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Comprehensive Coverage

Comprehensive Coverage

Comprehensive coverage protects your vehicle from non-collision events such as theft, vandalism, weather damage, and animal strikes. This all-encompassing protection gives you peace of mind against unexpected incidents.

Theft and vandalism protection
Weather-related damage coverage
Fire and natural disaster protection
Animal collision and falling object damage
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Uninsured Motorist Protection

Uninsured Motorist Protection

Uninsured motorist protection safeguards you when involved in an accident with a driver lacking proper insurance coverage. This essential coverage ensures you're not left paying out of pocket for someone else's lack of insurance.

Protection against uninsured drivers
Coverage for underinsured motorists
Medical expense coverage for all passengers
Hit-and-run accident protection
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Rideshare Insurance

Rideshare Insurance

Coverage designed specifically for drivers who earn through rideshare platforms. This specialized protection covers you during every trip phase, from waiting for passengers to completing rides.

Coverage during app-on waiting periods
Protection while transporting passengers
Gap coverage between personal and platform insurance
Commercial liability protection
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Rental Car Insurance

Rental Car Insurance

Temporary vehicle coverage for when you need a rental, whether for travel or while your car is being repaired. This coverage eliminates the need for expensive rental agency insurance add-ons.

Coverage for rental vehicles during repairs
Travel rental car protection
Liability coverage while renting
Damage waiver replacement
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Medical Payments Coverage

Medical Payments Coverage

Medical payments coverage takes care of medical expenses for you and your passengers after accidents, regardless of who is at fault. This ensures immediate medical attention without worrying about upfront costs.

Emergency medical treatment coverage
Hospital and surgical expenses
Ambulance and paramedic services
Coverage for all vehicle occupants
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Personal Injury Protection

Personal Injury Protection

Personal injury protection provides comprehensive coverage for medical expenses, lost wages, and other costs resulting from accident-related injuries. This no-fault coverage ensures quick payment without lengthy claim disputes.

Medical and rehabilitation expenses
Lost wage replacement coverage
Funeral and death benefit expenses
Essential services replacement
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COVERAGE PACKAGES

Choose the Right Protection Level

Select from our three comprehensive coverage tiers designed to meet different needs and budgets.

Basic Protection

Essential coverage for everyday driving

Liability coverage for bodily injury and property damage
State minimum coverage requirements met
Legal defense and court costs included
Uninsured motorist protection available
Affordable monthly premiums
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Standard Protection

Enhanced coverage for complete peace of mind

Everything in Basic Protection
Collision coverage for accident repairs
Comprehensive coverage for non-collision events
Medical payments coverage for injuries
Rental car reimbursement included
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Premium Protection

Maximum coverage for ultimate security

Everything in Standard Protection
Personal injury protection with wage replacement
Roadside assistance and towing coverage
Gap coverage for leased and financed vehicles
Accident forgiveness and vanishing deductible
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WHY CHOOSE US

Benefits of Choosing rsclarkins

Experience the difference with our customer-focused approach and comprehensive coverage options.

Quick Claims Processing

File claims online and receive fast approvals with our streamlined process, getting you back on the road quickly.

Competitive Pricing

Get the best rates without compromising on coverage quality, with discounts for safe drivers and bundled policies.

Expert Support

Access knowledgeable insurance advisors who guide you through coverage options and answer all your questions.

Mobile App Access

Manage your policy, file claims, and access insurance cards anytime from your smartphone with our intuitive app.

Flexible Customization

Tailor your coverage to match your specific needs and budget with our wide range of optional add-ons.

Trusted Reputation

Join thousands of satisfied customers who trust rsclarkins for reliable coverage and exceptional service.

SPECIALTY COVERAGE

Additional Coverage Options

Explore specialized insurance solutions for unique vehicles and driving situations.

Teen Driver Coverage

Affordable rates for young drivers just starting out, with options for good student discounts and driver training credits to help reduce premiums.

Classic and Antique Cars

Agreed value coverage for vintage and collector vehicles, protecting your investment at its true worth with specialized restoration and parts coverage.

Sports Car Coverage

Specialized policies for high-performance vehicles that account for unique repair costs, replacement values, and enhanced liability protection.

FAQ

Frequently Asked Questions

Find answers to common questions about our auto insurance services.

What is the difference between collision and comprehensive coverage?

Collision coverage pays for damage to your vehicle resulting from accidents with other vehicles or objects. Comprehensive coverage protects against non-collision events like theft, vandalism, weather damage, and animal strikes. Both are important for complete vehicle protection.

How much liability coverage do I need?

While state minimums vary, we recommend higher liability limits to protect your assets. A common recommendation is coverage that equals or exceeds your net worth. Our advisors can help you determine the right amount based on your financial situation and risk factors.

Can I add coverage for rental cars and rideshare driving?

Yes, both rental car coverage and rideshare insurance can be added to your policy. Rental coverage protects you when driving rental vehicles, while rideshare insurance provides essential protection during all phases of rideshare driving, from waiting for rides to transporting passengers.

What discounts are available for safe drivers?

We offer various discounts including safe driver discounts, accident-free years, defensive driving course completion, multi-vehicle policies, good student discounts for teens, and bundling multiple types of coverage. Contact us to learn which discounts you qualify for.

How quickly can I get coverage after signing up?

Coverage can begin immediately after completing your application and payment. In most cases, you'll have active coverage within hours of signing up, allowing you to drive with confidence right away. Digital insurance cards are available instantly through our mobile app.

Ready to Get Protected?

Join thousands of drivers who trust rsclarkins for their auto insurance needs. Get your personalized quote today and experience worry-free driving.

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