Personal Auto Insurance
You're always moving forward—and so are we. With our personal auto coverage, you get protection designed for the road ahead, so you can drive with confidence knowing you have coverage designed to fit your selected needs and a simplified claims process.
What Is Personal Auto Insurance?
Personal Auto Insurance helps you feel more prepared when the journey doesn’t go as planned. It can help cover injuries or damage if you cause an accident and, with optional coverages, it may also help pay for things like theft, storm damage, or collisions.
Who Needs Personal Auto Insurance?
If you own and drive a car, Personal Auto Insurance is required in most states. It also helps cover the cost of an accident if you’re ever involved in one, so you’re better prepared when the road gets unpredictable.
What's Included in Your Haulers Auto Policy
Liability - Bodily Injury
Staying focused on the road ahead is easy when you don’t have to wonder if your auto coverage will be there when you need it. If you’re involved in an accident and someone else is injured, our bodily injury liability coverage can help pay the injured party’s medical bills, as well as associated legal fees, for covered accidents.
Liability - Property Damage
Life’s detours can be unpredictable, but with Property Damage Liability, you’re prepared for the unexpected. Whether you have a fender bender or accidentally damage someone’s property, this coverage helps pay for repairs you’re legally responsible for, so you can keep moving forward without the burden of costly setbacks.
Uninsured Motorist
Not every driver on the road is as prepared as you are. If you’re injured by someone who doesn’t have insurance, Uninsured Motorist – Bodily Injury (UMBI) coverage may step in to help with your medical expenses, so you can focus on your recovery. Uninsured Motorist – Property Damage (UMPD) coverage may help with expenses for the repair of your vehicle to get you back on the road.
Optional Coverage to Customize Your Policy
Haulers Insurance offers optional coverages that let you tailor your policy to fit the way you drive, what you can afford, and how much protection you want. These added options can help fill in the gaps with coverage that fits your needs.
Collision Coverage
Keeping your journey on course involves being ready for any unexpected obstacles you might encounter along the way. With Collision Coverage, you’re ready for those unforeseen encounters, whether it’s with a fence, a curb, a runaway shopping cart, or another car backing out of a parking space at the same time you are. If your vehicle gets damaged from a crash, collision coverage helps you get back on the road, no matter who’s at fault. This coverage isn’t mandated by law, but if your car is financed, your lender might require it.
Comprehensive Coverage
Comprehensive Coverage provides protection from non-collision damages during your travels. From deer crossings and hailstorms to floods or theft, this option helps you repair or replace your vehicle when life throws something unexpected your way. Exclusions do apply, so it’s wise to review your policy with an independent agent to understand how Haulers’ coverage can support you.
Like collision, Comprehensive Coverage is voluntary unless your lender makes it a requirement. It’s another way to keep moving when the road gets rough.
Underinsured Motorist Coverage
Underinsured Motorist Coverage is your safety net when someone else’s insurance falls short. If you’re hurt in a crash caused by a driver who doesn’t carry enough coverage, this endorsement can help fill the gap, so you can keep going without worry about medical or repair bills.
Rental Reimbursement Coverage
Rental Reimbursement Coverage keeps you on the move if your vehicle is out of commission due to theft or repairs. It helps cover the cost of a rental car, so you don’t have to put the brakes on your life while your vehicle is being fixed.
Auto Insurance Discounts From Haulers
Haulers offers several discounts to customers who are proactive about safe, responsible driving.
Multi-Car Discount
Insuring more than one ride? Our Multiple Vehicle Discount shifts your savings into higher gear based on the number of eligible vehicles you cover with us and the age of the youngest licensed driver in your household.
Good Student Discount
This insurance covers risks of damage to cars on the lot, as well as theft and vandalism. It also helps auto dealers avoid financial losses if something unexpected happens to their inventory or an incident occurs during daily operations.
Driver Training Discount
Taking driving classes means you’re going the extra mile to be a safe driver, and we reward that with a discount. Must present a driver training certificate.
Mature Driver Discount
Drivers who are 55 and older and complete a mature driver class qualify for this discount. Must provide a training certificate.
Vehicles Equipped with Anti-Theft Devices Discount
If your vehicle is outfitted with approved anti-theft devices, you’re eligible for this discount. Adding extra security helps keep your ride protected and your wallet on the right track.
What Does Personal Auto Insurance Not Cover?
What Does Personal Auto Insurance Not Cover?
There are a few things Personal Auto Insurance typically doesn’t cover, including business use, normal wear and tear, personal items inside your car, and intentional damage.
Other Personal Insurance Products We Offer
Renters
Your lifestyle deserves reliable protection that fits your budget. Haulers Renters insurance offers an affordable way to safeguard your belongings, helping you keep moving forward without looking back.
Why Choose Haulers for Personal Auto Insurance?
With Haulers Insurance, you get personal auto coverage backed by decades of experience, responsive service, and local agents who can help you choose the protection that fits your life. It’s a simple, reliable way to get coverage and support you can count on when it matters most.
Ready to Drive With Confidence?
Ready to Drive With Confidence?
Getting started with Haulers Insurance is easy. Connect with a local agent to explore your options and find personal auto coverage that fits your life.
Personal Auto Insurance FAQs
What does Personal Auto Insurance cover?
Personal Auto Insurance can make the financial impact of an accident easier to handle. It can help cover injuries, damage, and certain legal costs tied to vehicle-related claims.
How much auto insurance do I need?
The right amount of auto insurance depends on your state requirements, the value of your car, and how much financial protection you want. Many drivers choose higher liability limits, plus optional coverages like collision, comprehensive, and uninsured motorist coverage for broader protection.
Is personal auto insurance required by law?
Yes— Personal Auto Insurance is required in most states if you own and drive a car. The exact requirements vary depending on your location, but coverage is usually needed to legally drive and register your vehicle.
Will my personal auto policy cover me if I use my car for work?
It depends on how you use your car. Most personal auto policies cover everyday driving and commuting, but they usually don’t cover business use like food delivery, ridesharing, or using your vehicle as a main part of your job.
What happens if I get hit by an uninsured driver?
If you’re hit by an uninsured driver, your own policy may help cover medical bills or vehicle damage if you have uninsured motorist or collision coverage. Without those coverages, you may have to pay those costs yourself.
What's the difference between collision and comprehensive?
Collision and comprehensive both help pay to repair or replace your vehicle, but they cover different kinds of damage. Collision covers damage from crashes, while comprehensive covers things like theft, weather, or hitting an animal.
Does my policy cover other drivers in my car?
Your policy may cover other drivers if they have your permission to use your car. If someone lives with you and drives your car often, they should be listed on your policy.
How do I file a claim with Haulers?
If you need to file a claim, Haulers is here to help. Just call 1-866-665-1003 or reach out to your agent and have the date, time, and location of the accident ready, along with any information about the other parties involved.