Drive with Confidence: Personal Auto Insurance

Comprehensive coverage for liability, collision, and more—tailored to your needs

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Personal Auto Insurance That Protects You

Your vehicle is a vital part of daily life—and accidents can lead to unexpected expenses. Peterman Insurance Services offers options for customizable personal auto policies, combining liability, collision, comprehensive, and optional coverages to safeguard you and your passengers. Our attention to detail ensures you understand every term, deductible, and endorsement—so you can drive worry-free.

Liability Coverage

Pays for bodily injury and property damage to others if you’re at fault—protecting your assets and future earnings.

Optional Coverage
Add rental reimbursement, roadside assistance, gap coverage, and accident forgiveness to customize protection and minimize out-of-pocket costs.

Collision and Comprehensive

Covers repair or replacement costs for your vehicle after an accident (collision) or non-collision events like theft, fire, or weather damage (comprehensive, also known as other than collision).

Your auto insurance Questions, Answered

Find clear, concise answers to common personal auto insurance questions—so you know your coverage options and how to lower your costs.

It covers medical expenses, legal fees, and property repair costs for others if you’re at fault in an accident—up to your policy’s limits.

Collision pays for damage to your car from an impact with another vehicle or object, while comprehensive, or other-than-collision, covers non-impact losses such as theft, vandalism, fire, and weather-related damage.

Rates are based on your driving record, vehicle make/model, annual mileage, location, credit score (where allowed), and chosen deductibles and limits.

Maintain a clean driving record, bundle with other policies, choose a higher deductible, install safety devices, and ask about discounts for good students or low annual mileage.

Gap coverage pays the “gap” between your vehicle’s actual cash value and the balance owed on a lease or loan—protecting you from owing money on a totaled car.

This coverage protects you if you’re in an accident caused by a driver who has insufficient liability limits—or no insurance at all. It pays for your medical expenses, lost wages, and vehicle damage up to your policy limits when the at-fault driver’s coverage falls short.