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Protection that goes past the basics — explained clearly, so you can decide what suits you.
Total Vehicle ProtectionCars face more than other cars. Total Vehicle Protection reaches beyond standard accident coverage to help with theft, vandalism, falling debris, weather events and animal strikes — cracked windshields included, subject to your policy terms.
Parked at home or out on the road, your car can be protected day or night, not only during the commute.
Sign Up NowAsk about starting and following a claim online.
Ask about the payment schedules available with your policy.
Limits and add-ons can be discussed as your needs change.
Big city or small town, help stays personal.
If an uninsured or hit-and-run driver is involved, Uninsured Driver Protection may help with vehicle repairs, medical treatment and related costs on your side, subject to your policy limits — whatever the other driver was or was not carrying.
Not every motorist carries adequate protection. This coverage is one way to keep your safety and finances in view.
Each coverage below can be added or adjusted to suit your vehicle. Availability varies by state.
After an accident you need support, not just paperwork. Accident Assist is designed to help with repair or replacement costs after a covered accident, subject to your policy terms.
Estimates and claim status information can help keep you informed so a tow does not become a drawn-out ordeal.
Financial Responsibility Coverage meets state minimums and can go further — designed to help with injury, property damage and legal costs when you are found at fault, up to your policy limits.
Liability options let you think through your financial exposure with a clearer picture.
MedPay and PIP options under our Medical Recovery Plans may help toward medical bills, rehabilitation, therapy and lost wages, regardless of who caused the crash, subject to your policy and state.
A clear claims explanation lets you focus on recovery, whether the injury is minor or needs ongoing care.
Roadside and Rental Support can include towing, jump-starts, fuel delivery and lockout help, so a stall or a dead battery does not turn into a stranded afternoon.
While your car is in the shop, Rental Reimbursement may help keep you moving with a temporary vehicle — because a repair should not put your routine on hold.
Options for drivers whose needs do not fit the usual mold.
Agreed-value coverage and flexible storage options for vintage or special-use vehicles you do not drive every day.
Driving for a rideshare or delivery platform? This coverage is designed to address the gap between personal and commercial insurance.
If a newer vehicle is totaled, this option may help replace it with a new model rather than a depreciated payout, subject to your policy terms.
A quick reference to the options above. Final coverage depends on your policy, limits and state.
| Coverage | May help with |
|---|---|
| Total Vehicle Protection | Theft, vandalism, weather, falling debris, animal strikes, glass |
| Uninsured Driver Protection | Your costs when the other driver lacks adequate coverage |
| Accident Assist | Repair or replacement costs after a covered accident |
| Financial Responsibility (Liability) | Others’ injuries, property damage and legal costs when you are at fault |
| Medical Recovery (MedPay / PIP) | Medical bills, rehabilitation and lost wages |
| Roadside & Rental Support | Towing, jump-starts, fuel, lockouts and a temporary vehicle |
Connect with a member of the Brsmoto team and talk through the options that match how you drive.