Auto Insurance
You depend on your vehicle for so much! Getting the right protection is important. Westwood works with some of the nation's top auto insurance companies to find the best coverage and price for you.
Why Auto Insurance?

Auto insurance is important protection for your financial well-being. It’s also required in most states! Even if you live in a state that doesn’t require coverage, your lender or finance company will require coverage if you have an auto lease or loan.
Not only does auto insurance cover the cost of repairing or replacing your vehicle if it is damaged, but the liability coverage will help pay for the other party’s medical bills and car damage if you are at fault for the accident. Plus, you may also have financial protection for legal fees, up to your policy limits, if you are taken to court.
What's Included In Auto Insurance?
- Vehicle repair or replacement
- Rental car reimbursement
- Medical benefits for the drivers and passengers
- Bodily injury and property damage liability protection
- Protection if you are hit by an uninsured motorist
- Various types of deductible reductions or waivers
Full Coverage Details
Auto insurance varies widely based on where you live and the types of optional coverage that you choose. Generally, your policy will have (or you can choose to have) these types of coverage:
Collision Loss
This coverage pays for accidental damage to your covered vehicle resulting from a collision with another vehicle or object. This is optional coverage but often required if your vehicle is financed.
Comprehensive Loss (Not Collision)
This coverage pays for damage to your covered vehicle resulting from noncollision incidents including vandalism, hail, flood, fire or falling objects. It also provides coverage if your vehicle is broken into or stolen. This is optional coverage but often required if your vehicle is financed.
Rental Reimbursement
This coverage reimburses you for a rental car during the time you are unable to use your vehicle because of a covered accident. Your policy will have a limit on the amount of reimbursement, but it can be increased for an additional premium.
Roadside Assistance
For specific circumstances, this coverage provides a service that you can call for roadside assistance or reimburses you for towing or roadside assistance.
Glass Waiver
This optional coverage lowers or waives your comprehensive deductible for glass-only claims. This is optional coverage, available in some states.
Uninsured Motorist Collision Deductible Waiver
This coverage waives the collision deductible if you are involved in an accident with an uninsured motorist. This coverage is not available in every state.
Medical Payments
If you have this coverage, your policy will cover medical payments for you or others injured in your covered vehicle. Coverage may be increased for an additional premium. This coverage is mandatory in some states.
Bodily Injury Liability
If you are found liable for an accident, your liability coverage pays for injury to others and may also include certain legal services such as court costs, bail bond premiums and attorney fees. Coverage may be increased for an additional premium. This coverage is required in all states except Florida.
Uninsured/Underinsured Motorists Bodily Injury
This coverage pays for expenses related to bodily injury to you and other passengers/drivers of your insured vehicle, if an accident is caused by a hit-and-run, uninsured or underinsured driver. Coverage may be increased for an additional premium. This coverage is mandatory in some states.
Property Damage Liability
If you are found liable for an accident, your liability coverage pays for damage to others’ property (car, house, yard, etc.). Coverage may be increased for an additional premium. This coverage is required.
Personal Injury Protection
Your policy will cover medical payments and other damages such as loss of income, up to the limit shown on your policy, for you or others injured in your covered vehicle. Coverage may be increased for an additional premium. This coverage is mandatory in some states.
Collision Loss
This coverage pays for accidental damage to your covered vehicle resulting from a collision with another vehicle or object. This is optional coverage but often required if your vehicle is financed.
Comprehensive Loss (Not Collision)
This coverage pays for damage to your covered vehicle resulting from noncollision incidents including vandalism, hail, flood, fire or falling objects. It also provides coverage if your vehicle is broken into or stolen. This is optional coverage but often required if your vehicle is financed.
Rental Reimbursement
This coverage reimburses you for a rental car during the time you are unable to use your vehicle because of a covered accident. Your policy will have a limit on the amount of reimbursement, but it can be increased for an additional premium.
Roadside Assistance
For specific circumstances, this coverage provides a service that you can call for roadside assistance or reimburses you for towing or roadside assistance.
Glass Waiver
This optional coverage lowers or waives your comprehensive deductible for glass-only claims. This is optional coverage, available in some states.
Uninsured Motorist Collision Deductible Waiver
This coverage waives the collision deductible if you are involved in an accident with an uninsured motorist. This coverage is not available in every state.
Medical Payments
If you have this coverage, your policy will cover medical payments for you or others injured in your covered vehicle. Coverage may be increased for an additional premium. This coverage is mandatory in some states.
Bodily Injury Liability
If you are found liable for an accident, your liability coverage pays for injury to others and may also include certain legal services such as court costs, bail bond premiums and attorney fees. Coverage may be increased for an additional premium. This coverage is required in all states except Florida.
Uninsured/Underinsured Motorists Bodily Injury
This coverage pays for expenses related to bodily injury to you and other passengers/drivers of your insured vehicle, if an accident is caused by a hit-and-run, uninsured or underinsured driver. Coverage may be increased for an additional premium. This coverage is mandatory in some states.
Property Damage Liability
If you are found liable for an accident, your liability coverage pays for damage to others’ property (car, house, yard, etc.). Coverage may be increased for an additional premium. This coverage is required.
Personal Injury Protection
Your policy will cover medical payments and other damages such as loss of income, up to the limit shown on your policy, for you or others injured in your covered vehicle. Coverage may be increased for an additional premium. This coverage is mandatory in some states.
Frequently Asked Questions
Here are some of the most frequently-asked questions from our customers. The answers provide general information — each company defines their own specific coverage, terms, limitations and exclusions. Your policy includes the specifics.