Whether the vehicle you drive is your most prized possession or simply something to get you from one place to another, it is important to have it properly insured with a company you can count on. Auto insurance may not keep you from getting into an accident, but it will help to pay for any of the potentially astronomical medical bills or repair costs that can result from a serious crash. Adequate coverage is essential for financial protection if a crash happens. Our insurance professionals at Gambale Insurance Group are here to help you decide on what types of auto insurance coverage would be best for you and what limits to select.

Auto insurance has two primary components. First is the liability portion of a policy that covers your financial responsibility in case you injure others. Most states require some level of liability coverage. The second aspect of auto insurance covers the vehicle itself. Opting for comprehensive coverage will reimburse any vehicle losses due to fire, theft, or other hazards. Collision coverage is to pay for potential repair losses incurred by an accident. In many cases, this type of coverage is required by banks and leasing companies. Other coverages that can vary by state include ancillary medical, car rental, and more.

Our agents are dedicated to helping you choose the auto insurance coverage that is right for you. A Gambale Insurance Group agent will work with you to customize your car insurance for personalized protection without breaking the bank. Your home state’s requirements for auto insurance, along with what limits and options you select, will determine whether your auto insurance policy may include common coverages. We are here to assist you in ensuring you have the right auto insurance policy by offering continuous support and assistance every step of the way.


Covers – above your selected deductible - the cost of repairing or replacing your vehicle if you are involved in an accident with another vehicle or object.

Covers damages to your vehicle caused by factors other than collision. Those causes of damage may include a broken windshield, collision with an animal, fire, flooding, theft, vandalism, or weather.

Covers any damage to others accidentally caused by you as the result of a vehicle accident. Liability coverage also pays for legal defense for you in the case that you are sued for damages.

Medical Expenses and Personal Injury Protection (PIP)
Depending on your state of residence, this can provide coverage for the medical expenses you or anyone who is covered by your policy incur as the result of a vehicle accident.

Underinsured and Uninsured Motorist
Covers accidents caused by someone who does not have any insurance coverage or does not have sufficient liability limits.

Additional Expense
Helps to pay for a rental vehicle, and in the event that you are stranded away from home, can cover food, lodging, and other potential expenses.

Loan/Lease Gap
Covers the difference between the current value of your vehicle and the amount still owed on a lease or loan you may have taken on it.

Road Trouble Service
Covers roadside service for instances such as a dead battery, flat tire, or another minor mechanical malfunction.