Automobile Insurance
What to Expect
At Truska Insurance, we help protect your vehicle by taking a personalized, thoughtful approach to personal auto insurance. We take the time to understand your driving habits, vehicles, and priorities, then help you choose coverage that truly fits your needs—not just the minimum requirements. As an independent agency, we compare options from multiple top-rated carriers, clearly explain your coverage, and help identify and prevent potential gaps. We also remain available as your advocate when questions arise or a claim occurs. Our goal is to ensure your auto insurance evolves as your life changes, giving you confidence that you’re properly protected on the road.
Liability
Personal Automobile Liability Coverage helps protect you financially if you are legally responsible for injuries to others or damage to their property as a result of an auto accident. It typically includes bodily injury and property damage liability and helps pay for legal defense costs, settlements, or judgments up to the policy limits.
Medical Payments
Medical Payments Coverage helps pay for reasonable medical expenses resulting from an auto accident, regardless of who is at fault. It typically covers the driver and passengers in your vehicle for costs such as hospital visits, doctor care, or medical treatment up to the policy limit.
Comprehensive
Comprehensive coverage helps pay for damage to your vehicle caused by events other than a collision. This may include losses from theft, fire, vandalism, falling objects, hail, flood, or contact with animals. Coverage is subject to your selected deductible and policy terms.
Collision
Collision Coverage helps pay to repair or replace your vehicle if it is damaged in an accident involving another vehicle or object, regardless of who is at fault. This includes collisions with cars, guardrails, or poles, as well as rollovers, and coverage is subject to your selected deductible and policy limits.
Additional Living Expense
Additional Living Expense coverage helps pay for the extra costs of living elsewhere if your home becomes uninhabitable due to a covered loss. This may include temporary housing, meals, and other increased living expenses while your home is being repaired or rebuilt.
Medical Expenses
Medical Payments Coverage helps pay for reasonable medical expenses if a guest is injured on your property or as a result of your personal activities, regardless of fault. It is intended to address minor injuries quickly and may help prevent larger liability claims.
Common Additional Coverages
Loan lease gap coverageRoadside assistanceNew car replacementRental CarAccident forgivenessFull glass coverageCustomization/Electronic Equipment CoverageOriginal Manufacture EquipmentFAQs
What factors affect the cost of my auto insurance?
Auto insurance rates are based on several factors, including your driving record, age, vehicle type, location, credit history (in most states), and coverage selections. We help you understand these factors and identify opportunities to save without sacrificing protection.What to do in the event of an accident?
If you’re in an accident, your first priority is safety. Once everyone is safe, you should document the scene and report the claim. As your broker, we guide you through the entire claims process, help you communicate with the insurance company, and advocate for a fair and timely resolution.
How much auto insurance do I need?
Required coverage levels vary by state, but minimum limits may not fully protect you. Your ideal coverage depends on factors such as your vehicle, driving habits, financial situation, and risk exposure. Working with an insurance broker helps ensure you have adequate protection beyond state minimums.