Car windshield in the rain



If a tree falls on your car in the forest, will your insurer hear you? What if you’re hit by an uninsured motorist? Does your state require liability coverage? How much is your deductible if your car is stolen?

It’s easy to understand why you need personal auto insurance. Now let your Robertson Ryan agent make your particular coverage easy to understand:

  • Figure out which carrier offers you the best coverage, price and service
  • Ensure you meet your state’s insurance requirements
  • Clarify exactly what your policy covers
  • Help you in case you need to make a claim

Your agent helps you keep your coverage up to date, delivering fast answers and prompt, down-to-earth service. Because at Robertson Ryan, we hear you.

Protect your wheels: Personal auto coverages


Liability coverage protects you against claims or lawsuits for bodily injury or property damage for which you’re legally responsible through ownership, maintenance or use of an insured automobile. Some states set minimum coverage amounts, some mandate no-fault coverage, some leave it all up to you—and your agent. Learn more about Auto Liability Coverage.

Medical Payments and PIP Coverage

Unlike bodily injury liability coverage, Medical Payments covers medical costs for you, drivers listed on your policy, and passengers in your vehicle who may become injured due to a car accident-regardless of who is deemed at-fault. In some states the coverage is optional and some mandatory.

PIP Coverage

Some states have PIP coverage, or Personal Injury Protection, often referred to as “no-fault” insurance. PIP is similar to medical payments, as it covers medical costs for you and your passengers in your vehicle if they are injured in an accident, no matter who is at fault. PIP can include ambulance fees, medical and surgical treatments, prescriptions and can also reimburse you for lost wages, home care expenses and even funeral expenses. Each state differs on their requirements, and some states have mandatory PIP coverage and some are referred to as “no-fault states”. Your Robertson Ryan team will be sure to put the proper coverage in place depending on where your auto is domiciled.

Uninsured and Underinsured Motorist

Uninsured motorist coverage pays for bodily injury if you’re injured by an uninsured motorist, hit-and-run driver, or driver whose insurer goes bankrupt. Underinsured coverage takes over when damages exceed the other driver’s liability limits. Some states require uninsured and/or underinsured motorist coverage, while it still remains optional in others. Learn more about Uninsured and Underinsured Motorist Coverage.

Collision Insurance

Collision coverage protects against loss when your auto overturns or collides with another vehicle or object, regardless of fault. Learn more about Collision Coverage.

Comprehensive Coverage

Comprehensive coverage provides insurance for losses caused by anything that isn’t covered under your collision coverage, such as losses from natural disasters, riots, vandalism and contact with an animal. Coverage can also apply to non-owned or substitute autos. Learn more about Comprehensive Coverage.

Additional Options

There are several optional coverages available to add to Auto policies depending on your needs, including GAP (Guaranteed Asset Protection) which helps protect your financial interest in an owned or leased vehicle, Rental Reimbursement and Towing should you find yourself in need after a mishap, Non-owner Auto Insurance if you don’t own a vehicle but often borrow or rent autos, New Car Replacement Cost, Full Glass Coverage for windshield claims, OEM (Original Equipment Manufacturer) Coverage to make sure you get the right replacement parts after a mishap – just to name a few.

Call your Robertson Ryan team today or visit the contact us form to have us reach out to you.