At OnePoint Insurance Agency, we offer a range of comprehensive coverage options to suit your individual needs and budget. Whether you're a new driver or an experienced one, our policies are designed to provide you with peace of mind on the road.

Liability Coverage: This is the most basic and required coverage in most states. It includes Bodily Injury Liability (BIL) and Property Damage Liability (PDL). BIL covers medical expenses and lost wages for other parties involved in an accident where you are at fault, while PDL covers damages to other people's property.

Collision Coverage: This coverage pays for repairs or replacement of your vehicle in the event of a collision with another vehicle or object, regardless of who is at fault.

Comprehensive Coverage: Also known as "other than collision" coverage, this pays for damages to your vehicle caused by incidents such as theft, vandalism, fire, falling objects, or natural disasters.

Personal Injury Protection (PIP): Required in some states, PIP covers medical expenses, lost wages, and other related costs for you and your passengers, regardless of fault, in the event of an accident.

Uninsured/Underinsured Motorist Coverage: This coverage protects you if you're involved in an accident with a driver who has no insurance or insufficient coverage to pay for your damages or injuries.

Medical Payments Coverage: Similar to PIP, medical payments coverage reimburses medical expenses for you and your passengers after an accident, regardless of fault. It is optional in some states.

Rental Reimbursement: This coverage pays for a rental car while your vehicle is being repaired or replaced after a covered claim.

Roadside Assistance: Provides assistance in case of common vehicle issues like flat tires, dead batteries, or running out of fuel. Services may include towing, jump-starts, tire changes, and fuel delivery.

Gap Insurance: If you have a leased or financed vehicle, gap insurance covers the difference between your car's actual cash value and the amount you owe on your loan or lease if it is deemed a total loss.

Custom Parts and Equipment Coverage: This add-on protects modifications or upgrades made to your vehicle, such as sound systems, custom wheels, or other aftermarket accessories.

It's important to note that the availability and specific details of these coverages may vary depending on your insurance provider, location, and policy terms. It's recommended to consult with an insurance agent or company to understand the available options and select the appropriate coverage for your needs.