Direct Auto Insurance: Full Coverage?

Direct Auto Insurance is a non-standard insurance company that caters to high-risk drivers who may not be able to get car insurance elsewhere. It offers all the standard coverage options, including liability, collision, comprehensive, uninsured motorist, personal injury protection, and medical payments, as well as common policy add-ons like towing coverage, rental reimbursement, and roadside assistance. Direct Auto also provides term life insurance policies, accident medical expense coverage, and access to Medicare and the federal health insurance marketplace.

Direct Auto has received mixed reviews, with an average rating of 4 out of 5 stars from customers. While it offers a wide range of discounts and flexible payment options, it has also received a high number of complaints, particularly regarding delays in claims handling.

Direct Auto Insurance caters to high-risk drivers

Direct Auto Insurance is a good option for drivers who need basic coverage and are considered high-risk due to a history of accidents, driving violations, lapses in insurance coverage, or bad credit. The company offers SR-22 filings, which are often needed to get your license back after issues on your record. Direct Auto also provides non-owner insurance policies, which can be useful if you don't own a car but still need insurance.

Direct Auto specializes in providing coverage for high-risk drivers. The company is willing to work with drivers who have a history of accidents, driving while intoxicated, or other infractions on their record. If you are a high-risk driver, you can find cheaper-than-average rates for minimum liability coverage with Direct Auto. However, as you add more coverage, the cost increases, and full-coverage insurance becomes more expensive compared to other companies.

Direct Auto offers standard types of car insurance, including liability insurance, uninsured and underinsured motorist coverage, personal injury protection (PIP), and medical payments coverage (MedPay). They also provide optional coverages such as collision and comprehensive insurance, accidental death coverage, emergency roadside assistance, Mexico auto insurance, towing coverage, and rental reimbursement.

In terms of customer service, Direct Auto has received complaints regarding claim handling, including claim delays and denials. The company's level of complaints is about six times higher than the industry average. Additionally, collision repair professionals have given Direct Auto a low grade for how they handle collision claims.

Overall, Direct Auto Insurance caters to high-risk drivers by offering coverage options that meet the minimum legal requirements at affordable rates. However, full-coverage insurance can be more expensive compared to other companies, and the company has received criticism for its customer service and claims handling.

It offers flexible payment options

Direct Auto Insurance offers flexible payment options to its customers. The company provides a range of ways to pay for policies, including full payment upfront, automatic recurring payments, and paperless billing.

Direct Auto also offers various discounts that can help customers save money on their insurance policies. For example, customers can save up to 5% by setting up automatic payments, and up to 9% by paying their policy in full upfront. Additionally, Direct Auto offers a 1% discount for customers who choose to receive their documents electronically.

The company also provides a range of other discounts that can be combined with these payment options to further reduce the cost of insurance. These include discounts for safe drivers, good students, senior citizens, and military personnel. Customers can also save money by bundling their car insurance with other types of insurance, such as life insurance or an emergency protection plan.

Direct Auto's flexible payment options and range of discounts make it a viable choice for those seeking affordable insurance options, particularly high-risk drivers who may struggle to find coverage elsewhere.

Direct Auto has a high volume of customer complaints

Direct Auto Insurance has a high volume of customer complaints. According to the National Association of Insurance Commissioners (NAIC), the company has received six times as many complaints as an average company of its size. The NAIC gave Direct Auto a complaint index score of 4.3, indicating that it has four times as many complaints as the average insurance company. Direct Auto's NAIC rating is 10.92, which means it has more customer complaints than the average competitor, adjusted for size.

Most of the complaints filed against Direct Auto are about claim handling, including claim delays and denials. Direct Auto also received a failing grade from collision repair professionals for how it handles collision claims. The company's mobile app has also received poor reviews, with customers reporting functionality and login issues.

In addition to the high volume of customer complaints, Direct Auto has also been criticised for its poor customer service. Reviews of the company's customer service have been mixed, with some customers reporting issues with policy changes, reimbursement, and proof of residency requirements.

Overall, while Direct Auto may be a good option for high-risk drivers, the high volume of customer complaints and mixed reviews suggest that there may be better options available for those seeking car insurance.

It offers standard coverage, including liability, collision, comprehensive, uninsured motorist, personal injury protection, and medical payments

Direct Auto Insurance offers standard coverage, including liability, collision, comprehensive, uninsured motorist, personal injury protection, and medical payments.

Liability car insurance covers the property damage and medical expenses of others when you are at fault for a car accident. It also covers court judgments, settlements, and your lawyer fees related to the accident. Collision car insurance pays to repair or replace your vehicle when it is damaged or destroyed in an accident, such as in a collision with another car or if you hit an object like a pole. Comprehensive insurance covers non-crash damage to your car, such as hitting an animal, fire, theft, vandalism, and damage from severe weather and falling objects.

Uninsured motorist insurance covers the medical expenses for you and your passengers if you are in an accident and the at-fault driver does not have liability car insurance. It also covers repairs to your vehicle in some states. Personal Injury Protection (PIP) pays medical, hospital, and funeral expenses associated with a car accident, regardless of which driver is at fault. It also covers lost wages and replacement services for tasks you cannot carry out due to your injuries, such as childcare. Medical Payments (MedPay) Coverage covers medical expenses related to a car crash, no matter who is at fault for the accident. MedPay typically has lower limits and does not include benefits such as payment for lost wages, which are covered by PIP.

Direct Auto offers several discounts, including multi-vehicle, multi-policy, military, and safe driver

Direct Auto Insurance offers a range of discounts to its customers, including multi-vehicle, multi-policy, military, and safe driver discounts. These discounts can help make insurance more affordable for policyholders, especially those who may be considered high-risk drivers.

The multi-vehicle discount is applicable when more than one vehicle is insured on the same policy, offering savings of up to 25%. This is a great option for households with multiple cars, as it not only simplifies insurance management but also provides a cost-effective solution.

The multi-policy discount is another way to save with Direct Auto Insurance. By purchasing two or more insurance policies, such as auto and motorcycle insurance, customers can save up to 10% on their overall insurance expenses. This is beneficial for those who prefer the convenience of having multiple policies under one provider.

Direct Auto Insurance also recognizes the service of active military personnel with a military discount. Active service members with a copy of their current orders can receive a discount of up to 25% on their insurance policies. This discount demonstrates the company's support for those serving in the armed forces.

Additionally, Direct Auto Insurance promotes safe driving habits with its safe driver discount. Customers who maintain a clean driving record, free of violations and accidents for at least 36 months, are eligible for a 10% discount on their car insurance policy. This not only rewards safe drivers but also encourages others to adopt safer driving practices.

These discounts offered by Direct Auto Insurance provide opportunities for customers to save money on their insurance policies. By taking advantage of these discounts, policyholders can make their insurance coverage more affordable, especially if they fall into the high-risk driver category, which Direct Auto specializes in serving.

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