FAQs

The minimum amount of liability insurance that you're required to carry will ultimately depend on your state's laws. When shopping for auto insurance, you can always opt to purchase coverage limits above your state's minimum requirements to further protect your assets. Visit our insurance guidelines by state page to learn more.

Not sure about how much liability insurance you need? Our insurance specialists can guide you through selecting the right amount of protection for you and your family.

Comprehensive and collision insurance covers damage to the policyholder's vehicle after a covered incident. However, it's important to understand the critical difference between the two types of insurance.

Collision coverage will cover any damage sustained to your vehicle after a traffic accident (regardless of fault) up to your policy's limits. This includes accidents with another vehicle, rollovers, or collisions with a stationary object.

On the flip side, comprehensive coverage covers damage to your vehicle after it's been involved in a non-collision event. Examples of covered events may include vandalism, damage from failing debris, or natural disasters.

In most cases, purchasing collision and comprehensive insurance is entirely optional. However, if you're financing or leasing your vehicle, your lender or titleholder may require you to purchase these add-on coverage types.

Uninsured motorist insurance will protect you when involved in an accident with an at-fault driver who doesn't have liability insurance.

You'll often see this type of coverage included or bundled alongside underinsured motorist coverage, which offers similar protection if involved in an accident with an at-fault driver whose liability limits are too low to cover all expenses. Coverage limits for uninsured motorist insurance typically mirror your liability limits.

Generally speaking, if someone borrows your vehicle with your permission, your auto insurance policy should still provide coverage if they were to get into an accident. This is referred to as "permissive use" in most policies. Coverage may vary depending on your location and insurance provider, so always double-check with your insurance agent.

If someone borrows your car on a regular basis, however, that individual should be added as a listed driver to your policy to avoid any potential issues.

If you are currently insured and are upgrading to a new car, you typically have a short grace period (between 2 to 30 days) to update your policy information. Grace periods may vary depending on your location and insurance provider. If you are not insured, you'll need to obtain a policy before driving the car off the lot.

Yes and no. All of your vehicles are required to carry your state’s minimum insurance requirements. However, coverage limits can vary when it comes to add-on coverage types such as comprehensive, collision, or rental reimbursement. Furthermore, it is possible to carry collision and comprehensive insurance on one vehicle and not the other.  

Most US auto insurance policies will continue to provide coverage when driving in Canada. However, your auto insurance policy will likely provide no coverage when driving in Mexico.

After an accident, your priority should be safety. First, ensure that you, your passengers, and others are uninjured. If there are any injuries, call 911 immediately. Second, it's standard procedure in most states to notify the police after a damage-causing accident. Next, gather all relevant information from other drivers and witnesses at the scene. This includes exchanging contact, vehicle, and insurance information. Be sure to take photos and videos of the damage and scene. Finally, contact your insurance company as soon as possible. 

Most of our insurance partners allow you to submit a claim online. To view the steps for filing a claim online, click here. 

If you have any questions, please email us or call (888) 772-4247 to speak with a customer service specialist, Monday through Friday, 6:00 AM - 6:00 PM PST.

Yes. Reporting an accident as soon as possible ensures that claims are handled quickly and will help avoid potential problems should you be held liable in the future. Please visit our claims center to find out how to contact your carrier. 

Traffic convictions and accidents can remain on your driving record for three years. In some states, alcohol-related accidents and other major violations can remain on your record for up to 10 years.

You can visit our customer service department online or by calling (888) 772-4247. To simplify the process, please have your policy number on hand when you call. 

When you make changes to your policy, you get to choose the effective date. AIS will send you a confirmation when changes have been made to your policy.

Typically, you'll hear from us on the next business day (Monday-Friday) after we receive your online service request. 

You can email documents to us at service@aisinsurance.com.

Yes. Once you submit your change, you can return to "View My Policies" to submit another request. You'll also be able to view all of your recently submitted requests.

To a driver to your auto insurance policy, we'll typically need the driver's name, license number, date of birth, and vehicle information.

To add a vehicle to your policy, we'll need the vehicle's year, make, model, and vehicle identification number (VIN). In addition, you'll also be required to provide the vehicle's purchase price and an odometer reading.