Did you injure someone or damage their property?
Liability coverage
A single accident can bring repair bills, medical costs and a claim against you. Pelorus helps you arrange auto coverage with limits that fit your drivers, vehicles and savings.
Your household, considered together.Three questions after an accident
Start with what happened.
The right combination depends on your drivers, vehicles and the losses you want to address.
Was your car damaged?
Collision or comprehensive, depending on the cause
Does the other driver have enough insurance?
Uninsured / underinsured motorist coverage
Under the policy
What the coverage can include.
- 01Liability for injuries and damage you cause to others
- 02Collision damage to your car, regardless of fault
- 03Theft, fire, hail, flood and animal strikes, under comprehensive coverage
- 04Uninsured and underinsured motorist coverage, if the at-fault driver lacks enough insurance
- 05Medical payments or personal injury protection, depending on your state
- 06Options such as rental reimbursement and roadside assistance
Who it’s for
A change in your life is a reason to review.
Families adding a teen driver
A new driver usually raises premiums and the household's liability exposure, so limits and available discounts are worth reviewing.
New car buyers
Lenders and lessors usually require collision and comprehensive; gap coverage can help if a totaled car is worth less than you owe.
Rideshare and delivery drivers
Rideshare and delivery work call for coverage designed for driving for hire, through an endorsement or a separate policy.
Owners of paid-off cars
With no lender requiring it, you can weigh whether collision and comprehensive on an older car are still worth the premium.
Before we talk
The questions behind the policy.
How much liability coverage should I carry?
Start with the savings, home equity and future income you want to protect. We compare auto liability limits around that picture and consider a personal umbrella for additional protection above them.
Does my auto policy cover a rental car?
For personal driving, your auto coverage often extends to a rental car. Share your destination, rental type and whether the trip is for business so we can review the right protection before you travel.
Your next step
Make it fit the life you have.
Start with what you own and who depends on you. We’ll help you review the policies together.
Prefer email? Contact our teamUseful for a first conversation
- Your current policies or contract terms
- The locations, dates or assets involved
- What has changed since your last review
You don’t need everything ready to get in touch.