Your car is one of your biggest investments, and we want you to feel completely confident that it’s properly protected. Whether it’s an accident, theft, fire, or another unexpected event, the right auto insurance policy gives you real peace of mind.

Every state has its own rules about what coverage drivers must carry. Some states require **liability coverage**, which pays for damage or injuries you cause to other people or their property. Other states use a **no-fault system**, where your policy covers medical bills and certain other losses for you and your passengers no matter who caused the accident. A number of states actually require both liability and no-fault (personal injury protection) coverage.

Even if your state doesn’t mandate insurance, there are still two very good reasons to carry it:

1. State laws require drivers to be financially responsible for any damage or injuries they cause. Without insurance, you could be personally on the hook for expensive repairs, medical bills, or legal judgments.

2. If you have a car loan or lease, your lender will almost always require physical damage coverage to protect their investment in the vehicle.

To protect your own car, you’ll typically need one or both of these coverages:

- **Collision coverage** pays to repair or replace your vehicle if it’s damaged in an accident, regardless of who is at fault—up to the car’s current market value.

- **Comprehensive coverage** (sometimes called “other than collision”) handles non-accident damage such as theft, vandalism, fire, falling objects, or natural disasters like floods, hurricanes, or hail—again, up to the vehicle’s actual cash value.

At Arrington Risk Management, we know that no two drivers have exactly the same needs. We take the time to understand your situation and find the coverage that fits both your budget and your lifestyle. Give us a call or stop by today—we’re here to help you choose the perfect auto insurance policy with the right protection at the right price.