Auto Insurance
Protects you and your vehicle against financial loss
in the event of an accident or theft.
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All you wanted to know about the insurance, but were embarrassed to ask
Whatever you drive, you have a lot riding on those wheels: your loved ones and your peace of mind. Choosing the right auto insurance can help protect you from the risks of the road. At Nine Lives, we will work with you from the start to help protect you wherever you go.
Is car insurance mandatory in all states?
Forty-eight states require drivers to carry some level of liability coverage in order to get behind the
wheel. Individual states regulate the type and amount of car insurance required. Generally, those requirements include auto liability coverage for bodily injury and property damage. Liability coverage may pay for the damages and injuries you cause to others due to an auto accident.
Do lenders require additional car insurance?
Auto lenders and lease companies typically require you to carry car insurance on a car you're purchasing or leasing from them to protect their financial interest in the vehicle. Read your lending or leasing agreement carefully, as state-required minimums don’t always match the minimums mandated by the bank or dealer in a lender or leasing scenario. It’s common for these agreements to require additional coverage on a vehicle to fully cover the vehicle’s owner in case of a total loss.
Is car insurance mandatory in all states?
Forty-eight states require drivers to carry some level of liability coverage in order to get behind the
wheel. Individual states regulate the type and amount of car insurance required. Generally, those requirements include auto liability coverage for bodily injury and property damage. Liability coverage may pay for the damages and injuries you cause to others due to an auto accident.
Do lenders require additional car insurance?
Auto lenders and lease companies typically require you to carry car insurance on a car you're purchasing or leasing from them to protect their financial interest in the vehicle. Read your lending or leasing agreement carefully, as state-required minimums don’t always match the minimums mandated by the bank or dealer in a lender or leasing scenario. It’s common for these agreements to require additional coverage on a vehicle to fully cover the vehicle’s owner in case of a total loss.
Whatever you drive, you have a lot riding on those wheels: your loved ones and your peace of mind. Choosing the right auto insurance can help protect you from the risks of the road. At Nine Lives, we will work with you from the start to help protect you wherever you go.
Is car insurance mandatory in all states?
Forty-eight states require drivers to carry some level of liability coverage in order to get behind the
wheel. Individual states regulate the type and amount of car insurance required. Generally, those requirements include auto liability coverage for bodily injury and property damage. Liability coverage may pay for the damages and injuries you cause to others due to an auto accident.
Do lenders require additional car insurance?
Auto lenders and lease companies typically require you to carry car insurance on a car you're purchasing or leasing from them to protect their financial interest in the vehicle. Read your lending or leasing agreement carefully, as state-required minimums don’t always match the minimums mandated by the bank or dealer in a lender or leasing scenario. It’s common for these agreements to require additional coverage on a vehicle to fully cover the vehicle’s owner in case of a total loss.
Is car insurance mandatory in all states?
Forty-eight states require drivers to carry some level of liability coverage in order to get behind the
wheel. Individual states regulate the type and amount of car insurance required. Generally, those requirements include auto liability coverage for bodily injury and property damage. Liability coverage may pay for the damages and injuries you cause to others due to an auto accident.
Do lenders require additional car insurance?
Auto lenders and lease companies typically require you to carry car insurance on a car you're purchasing or leasing from them to protect their financial interest in the vehicle. Read your lending or leasing agreement carefully, as state-required minimums don’t always match the minimums mandated by the bank or dealer in a lender or leasing scenario. It’s common for these agreements to require additional coverage on a vehicle to fully cover the vehicle’s owner in case of a total loss.
Types of Auto Insurance
Since each state sets different rules for car insurance, other types of mandatory car insurance requirements may include:
- Personal injury protection per person (PIP)
- Personal injury protection per accident (PIP)
- Uninsured or underinsured motorist coverage per person
- Uninsured or underinsured motorist coverage per accident
- Medical payments coverage
- Liability for death per person
- Liability for death per accident
Since each state sets different rules for car insurance, other types of mandatory car insurance requirements may include:
- Personal injury protection per person (PIP)
- Personal injury protection per accident (PIP)
- Uninsured or underinsured motorist coverage per person
- Uninsured or underinsured motorist coverage per accident
- Medical payments coverage
- Liability for death per person
- Liability for death per accident
Covers bodily injury and property damage you cause to others in an at-fault accident.
Mandatory/Optional: Mandatory in most U.S. states, including Illinois, with minimum limits (e.g., 25/50/20).
Included Categories:
Mandatory/Optional: Mandatory in most U.S. states, including Illinois, with minimum limits (e.g., 25/50/20).
Included Categories:
- Bodily Injury Liability (mandatory).
- Property Damage Liability (mandatory).
Combines liability with additional coverages for comprehensive protection of your own vehicle. Mandatory/Optional: Optional, but often required by lenders if you have a car loan or lease.
Included Categories:
Included Categories:
- Collision (optional): Covers damage to your car from collisions, regardless of fault.
- Comprehensive (optional): Covers non-collision damage (e.g., theft, vandalism, natural disasters).
- Personal Injury Protection (PIP) (mandatory in no-fault states like Florida, optional elsewhere): Covers medical and lost wage costs for you and passengers.
- Uninsured/Underinsured Motorist (UM/UIM) (mandatory in some states, optional elsewhere): Protects against uninsured drivers.
- Medical Payments (MedPay) (optional): Covers medical expenses regardless of fault.
- Roadside Assistance (optional): Helps with breakdowns or lockouts.
- Gap Insurance (optional): Covers loan balance if your car is totaled.
- Rental Car Reimbursement (optional): Pays for a rental while your car is repaired.
Insurances we sell:
Contact us to check your eligibility
Important notice to our Customers
Please be aware that it is your—the Customer's—responsibility to know when your payments are due and to make those payments on time for any insurance policy you have purchased through us (the Agency). Nine Lives Agency is not responsible and will not be held accountable for any payments you may have missed (for any reason) and any policy that may have been cancelled by Provider or consequences thereof.
Please be aware that it is your—the Customer's—responsibility to know when your payments are due and to make those payments on time for any insurance policy you have purchased through us (the Agency). Nine Lives Agency is not responsible and will not be held accountable for any payments you may have missed (for any reason) and any policy that may have been cancelled by Provider or consequences thereof.