Protection Tailored For Every Driver
Whether you need minimum state-required coverage or full comprehensive protection, Akman Auto offers flexible policies that adapt to your lifestyle, budget, and driving habits.
Liability Insurance
Liability insurance is the foundation of every auto policy and is required in nearly every state across the United States. At Akman Auto, our liability coverage protects you financially when you're at fault in an accident that causes bodily injury or property damage to others.
Bodily injury liability covers medical expenses, lost wages, and legal fees for other parties injured in an accident you cause. Property damage liability pays for repairs or replacement of another person's vehicle, fence, building, or other property damaged in the incident. We offer flexible limits starting at state minimums and scaling up to $500,000 combined single limits for drivers who want extra peace of mind.
Our liability policies also include supplementary coverage options such as personal injury protection (PIP) where required by state law, and medical payments coverage for you and your passengers regardless of fault. Our licensed agents help you understand your state's specific requirements and recommend appropriate limits based on your assets and risk profile.
Collision Coverage
Collision coverage pays for damage to your own vehicle resulting from a collision with another car, object, or from a rollover — regardless of who is at fault. This coverage is especially valuable for drivers with newer vehicles, outstanding auto loans, or leases that require full coverage protection.
When you file a collision claim with Akman Auto, our streamlined process gets you back on the road quickly. You choose your deductible — typically ranging from $250 to $1,000 — and we handle the rest. Lower deductibles mean higher premiums but less out-of-pocket expense at claim time, while higher deductibles reduce your monthly costs.
We work with over 250 certified repair partners nationwide to ensure quality workmanship and direct billing. Our claims adjusters use industry-standard valuation tools to provide fair, accurate repair estimates, and we offer optional OEM parts coverage for drivers who want factory-original components in their repairs.
Comprehensive Coverage
Comprehensive coverage protects your vehicle from non-collision events that are beyond your control. This includes theft, vandalism, fire, flood, hail, falling objects, animal collisions, and windshield damage. For drivers in regions prone to severe weather — from Gulf Coast hurricanes to Midwest hailstorms — comprehensive coverage is essential.
Akman Auto's comprehensive policies cover the actual cash value of your vehicle minus your chosen deductible. We also offer optional enhancements including full glass coverage with no deductible, custom equipment coverage for aftermarket modifications, and new car replacement for vehicles less than two years old.
Our comprehensive claims process is designed for speed and simplicity. Report damage through our online portal or mobile-friendly website, upload photos of the damage, and receive an estimate within 24 hours. For total loss situations, we provide fair market valuations and expedited settlement payments.
Uninsured & Underinsured Motorist
Despite legal requirements, millions of American drivers operate vehicles without adequate insurance. Uninsured motorist (UM) coverage protects you when an at-fault driver has no insurance, while underinsured motorist (UIM) coverage kicks in when the at-fault driver's limits are insufficient to cover your damages.
Akman Auto strongly recommends UM/UIM coverage for all policyholders. According to industry data, approximately one in eight drivers nationwide is uninsured, with rates significantly higher in certain states. Without this coverage, you could be left paying out of pocket for medical bills, lost wages, and vehicle repairs caused by someone else's negligence.
Our UM/UIM policies mirror your liability limits and cover bodily injury and property damage. In hit-and-run situations where the at-fault driver cannot be identified, uninsured motorist property damage coverage can pay for repairs to your vehicle. We make it easy to add or increase these limits when you renew your policy.
Roadside Assistance
Breakdowns and emergencies don't follow a schedule — that's why Akman Auto offers 24/7 roadside assistance as an add-on to every policy tier. Our nationwide network of service providers responds quickly when you need help most, whether you're stranded on a rural highway or stuck in a city parking garage.
Services include emergency towing to the nearest repair facility (up to 100 miles), battery jump-starts, flat tire changes, lockout assistance, and emergency fuel delivery. Premium policyholders receive up to four service calls per year at no additional charge, with response times averaging under 45 minutes in metropolitan areas.
Requesting roadside help is simple — contact us through our website or email hello@akmanauto.com with your policy number and location. Our dispatch team coordinates with local providers and keeps you updated on arrival times. For added convenience, service history and coverage details are always accessible through your online policy portal.
Rental Reimbursement
When your vehicle is in the shop after a covered accident, life doesn't stop. Akman Auto's rental reimbursement coverage pays for a temporary replacement vehicle so you can continue commuting to work, taking children to school, and managing your daily responsibilities without disruption.
Standard plans include up to $30 per day for 30 days, while premium plans increase limits to $50 per day for 45 days. Coverage applies when your vehicle is being repaired due to a covered collision or comprehensive claim. We partner with major rental car companies nationwide to streamline the rental process — simply present your claim number at the counter.
For families with only one vehicle, rental reimbursement is invaluable. Business owners who rely on their vehicle for work also benefit significantly from this coverage. Our agents can help you determine the right daily limit based on your typical driving needs and local rental car rates in your area.
