- 625 S 4th St, Renton, WA 98057
- info@dokagency.com
- +1 425-242-5252
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1.Liability Coverage
Liability Coverage
Protects you if you're legally responsible for injuries or property damage to others in an accident. Includes both bodily injury and property damage liability.
2.Comprehensive Coverage
Comprehensive Coverage
Covers damage to your vehicle from events other than collisionsâsuch as theft, vandalism, fire, natural disasters, and animal-related incidents.
3.Collision Coverage
Collision Coverage
Pays for repairs or replacement of your car if itâs damaged in an accident with another vehicle or object, regardless of fault.
4.Uninsured & Underinsured Motorist Coverage
Uninsured & Underinsured Motorist Coverage
Protects you and your passengers if youâre hit by a driver with little or no insurance.
5.Medical Payments / Personal Injury Protection (PIP)
Medical Payments / PIP
Covers medical expenses for you and your passengers after an accident, regardless of fault. PIP may also cover lost wages and other related costs.
6.Rental Car Reimbursement
Rental Car Reimbursement
Helps pay for a rental vehicle while your car is being repaired after a covered accident.
7.Roadside Assistance
Roadside Assistance
Covers emergency services such as towing, lockout assistance, jump-starts, tire changes, and fuel delivery.
8.Loan/Lease Payoff (Gap Insurance)
Loan/Lease Payoff (Gap Insurance)
Covers the difference between what you owe on your vehicle and its actual cash value if itâs totaled or stolen.
9.Rideshare Coverage
Rideshare Coverage
Extends protection when youâre driving for rideshare companies like Uber or Lyft, filling gaps not covered by personal or company policies.
10.Custom Parts & Equipment Coverage
Custom Parts & Equipment Coverage
Covers aftermarket modifications or custom accessories, such as sound systems, wheels, or performance parts.
11.Classic Car Coverage
Classic Car Coverage
Provides specialized protection for antique and collector vehicles, with agreed value and flexible usage terms.
12.Pet Injury Coverage
Pet Injury Coverage
Helps pay for veterinary bills if your pet is injured in a covered accident while riding in your car.
13.OEM Coverage
OEM Coverage
Ensures that your vehicle is repaired with Original Equipment Manufacturer (OEM) parts after an accident. Most standard policies only pay for aftermarket or generic parts unless OEM coverage is added to your policy.
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CAR INSURANCE FAQs
1.How can I lower my car insurance costs?
You can lower costs by maintaining a clean driving record, bundling policies, raising deductibles, and asking about discounts. Installing anti-theft devices or enrolling in usage-based programs can also reduce premiums.
2.Is there a fee for getting an insurance quote?
No, quotes are free. Independent agencies shop multiple carriers at no cost to help you find the most competitive rates.
3.What factors affect my premium the most?
Your driving history, location, vehicle type, and coverage selections have the biggest impact. Credit-based scores, annual mileage, and accident history also play a role.
4.What is the difference between comprehensive and collision coverage?
Collision covers your car after accidents with vehicles or objects. Comprehensive covers theft, fire, vandalism, or animal damage.
5.Do I need uninsured motorist coverage?
Yes, it protects you and passengers if hit by a driver with little or no insurance. It covers medical expenses and in some cases property damage.
6.Why is insuring a teen driver so expensive?
Teen drivers have crash rates nearly four times higher than adults. They represent 5% of drivers but 12% of police-reported crashes. Insurers charge more due to this risk. Rates drop as teens gain experience and keep clean records.
7.How does gap insurance work?
Gap insurance pays the difference between your carâs actual cash value and what you owe on a loan or lease if the car is totaled.
8.Does my policy cover rental cars?
Some policies include rental reimbursement during repairs after a covered loss. Others may only extend liability. Check with your agent before renting.
9.What is accident forgiveness?
Accident forgiveness prevents your first at-fault accident from raising your premium. It is optional and eligibility varies by insurer.
10.Will my insurance cover OEM parts?
Standard policies often cover aftermarket parts. To guarantee original manufacturer parts, you need to add OEM coverage.
11.Does car insurance cover personal belongings stolen from my car?
No, stolen personal belongings are typically covered under homeowners or renters insurance, not auto insurance.
12.Can I drive someone elseâs car and be covered?
Insurance usually follows the car. The ownerâs policy applies first. Your policy may provide secondary coverage depending on circumstances.
13.Does my insurance cover rideshare driving?
Standard policies exclude rideshare driving. You need a rideshare endorsement or commercial policy to stay protected.
14.How often should I review my policy?
Review annually or after major life changes like buying a car, moving, or adding drivers. This ensures adequate coverage at the best rate.
15.Does my insurance cover me if I drive out of state or into Canada?
Yes, most U.S. policies extend coverage to other states and Canada. Coverage for Mexico or other countries usually requires an endorsement.
16.What happens if my car is declared a total loss?
Your insurer pays the actual cash value minus your deductible. If you owe more than the carâs value, gap insurance can cover the difference.
17.Can my premium increase even if the accident wasnât my fault?
While not-at-fault accidents usually donât cause surcharges, claim frequency may still influence your rates depending on the insurer.
18.Does my policy cover aftermarket modifications?
Standard policies only cover the vehicleâs factory configuration. Add custom parts coverage to insure modifications.
19.How does mileage affect my insurance rates?
Higher mileage increases risk and may raise premiums. Low-mileage drivers may qualify for discounts. Usage-based programs can help safe drivers save.
20.Can I switch car insurance at any time?
Yes, you can switch anytime, not just at renewal. Ensure your new policy is active before canceling the old one to avoid gaps.