Loya Auto Insurance Coverage Options

Loya Auto Insurance offers a wide range of affordable car insurance options tailored to meet your specific needs. Whether you’re looking for basic liability or full coverage protection, our plans are designed to provide both peace of mind and financial security on the road.

We provide personalized support to help you choose the right coverage for your lifestyle and budget. Whether you’re insuring a new vehicle, adding a family member to your policy, or simply seeking a better rate, Loya Insurance has a plan for you.

Explore our most popular Loya auto insurance policies below to find the one that suits your driving needs.

Liability Coverage

Liability insurance is required by law in most states and protects you if you’re found at fault in an accident. It covers costs related to:

• Property damage (e.g., another driver’s car or property)
• Bodily injuries to other drivers, passengers, or pedestrians
• Legal fees and claims for pain and suffering

This is one of the most essential coverages for any driver and forms the legal minimum in nearly every state.

Uninsured / Underinsured Motorist Coverage

This coverage protects you if you’re involved in an accident caused by a driver who either doesn’t have insurance or doesn’t have enough coverage to pay for your injuries or damages. It also covers:

• Hit-and-run accidents
• Collisions with uninsured or underinsured drivers
• Injuries while walking or cycling and struck by a vehicle

This type of insurance is especially important in areas with a high number of uninsured motorists.

Comprehensive and Collision Coverage

Collision coverage pays for repairs or replacement of your vehicle if it’s damaged in an accident—whether with another car or a stationary object.

Comprehensive coverage protects you from non-collision-related events such as:

• Theft or vandalism
• Natural disasters (hail, flood, fire)
• Falling objects or animals striking the vehicle

These coverages can be purchased separately or together and are typically required if you lease or finance your vehicle.

Medical Payments (MedPay) Coverage

Medical Payments Coverage helps pay for medical expenses related to a car accident, regardless of who is at fault. It covers:

• Hospital visits and treatments
• Surgical procedures
• Ambulance fees for you and your passengers

This coverage also extends to pedestrians injured in a covered accident involving your vehicle.

Personal Injury Protection (PIP)

Personal Injury Protection offers broader protection than MedPay and is available in select states. It covers:

• Medical expenses
• Lost wages due to injury
• Funeral expenses
• Rehabilitation and essential services (e.g., childcare, housekeeping)

PIP is especially useful in “no-fault” states where each driver’s insurance covers their own injuries regardless of who caused the accident.

Additional Coverage Options

Loya Auto Insurance also provides additional optional protections to enhance your policy:

• Rental Reimbursement (Loss of Use) – Covers transportation expenses (rental car, public transit) while your vehicle is being repaired.
• Rental Days Plus – Offers extended rental coverage with no strict time limits until your car is fixed or replaced.

These options ensure you’re never left without transportation after an accident or covered claim.

Why Choose Loya Auto Insurance?

• Customizable policies to fit your needs and budget
• Exceptional customer service and local agents
• Flexible payment plans and competitive rates
• Discounts for safe drivers, good students, and more

At Loya Insurance, we go beyond offering coverage—we provide real value. Our clients benefit from exclusive offers and personalized service tailored to their unique circumstances. Our mission is to make car insurance simple, affordable, and accessible for everyone.

Important Policy Notes

All terms, coverage types, and discounts are subject to availability and may vary by state. For complete details, please review your policy documents or speak with a licensed Loya Insurance agent. Policy conditions are intended to help you understand your coverage and are not meant to alter the contract’s legal meaning.

Ready to Get Covered?

Let us help you find the right car insurance at the right price. Get a free quote today and experience the Loya difference.