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Auto Liability Insurance
Auto liability insurance is the foundation of every policy and is required in nearly every state across the United States. Bodily injury liability covers medical expenses, lost wages, and legal fees when you are at fault in an accident that injures another person. Property damage liability pays for repairs or replacement of another driver's vehicle, fence, building, or other property you damage.
Coskun Auto Insurance offers flexible liability limits that meet or exceed your state's minimum requirements, with options to increase coverage for greater financial protection. Higher limits are especially important given the rising cost of medical care and vehicle repairs — a single serious accident can result in claims that far exceed minimum state thresholds.
Our agents review your assets, driving habits, and risk exposure to recommend liability limits that protect your savings, home, and future earnings. With transparent policy language and no hidden exclusions, you will always know exactly what your liability coverage includes.
- Meets all state minimum liability requirements
- Flexible bodily injury and property damage limits
- Legal defense coverage included in liability claims
- Options for increased limits up to $500,000+
- Multi-vehicle and family policy discounts available
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Collision Coverage
Collision coverage pays to repair or replace your vehicle when it is damaged in an accident — regardless of who is at fault. This includes collisions with another vehicle, a guardrail, a pole, or any other object. If your car is totaled, Coskun pays the actual cash value of your vehicle minus your chosen deductible, helping you recover quickly and get back on the road.
Collision coverage is especially valuable for newer vehicles, financed or leased cars, and drivers who commute daily on high-traffic roads. While not legally required in most states, lenders and leasing companies typically mandate collision coverage until your loan is paid off.
Coskun offers deductible options ranging from $250 to $1,000, allowing you to balance monthly premium costs with out-of-pocket expense at claim time. Our network of certified repair shops ensures quality workmanship and OEM or equivalent parts for every covered repair.
- Covers accidents with vehicles and stationary objects
- Available deductible options from $250 to $1,000
- Rental car reimbursement during covered repairs
- Access to 250+ certified repair partner facilities
- Glass and minor damage fast-track processing
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Comprehensive Coverage
Comprehensive coverage — sometimes called "other than collision" coverage — protects your vehicle from non-accident events that are outside your control. This includes theft, vandalism, fire, flooding, hail, falling objects, animal strikes, and windshield damage. In states prone to severe weather, comprehensive coverage is one of the most frequently used and valuable parts of an auto policy.
Unlike collision coverage, comprehensive claims typically do not affect your driving record or safe-driver discounts in the same way, making it a smart addition for vehicles parked outdoors or in areas with higher crime rates. Coskun's comprehensive policies also cover personal belongings stolen from your locked vehicle, up to policy limits.
We recommend comprehensive coverage for any vehicle worth protecting — especially if you live in a region with frequent storms, wildfire risk, or urban theft. Pair it with collision coverage for what insurers call "full coverage," the most complete physical damage protection available.
- Protection against theft, vandalism, and natural disasters
- Hail, flood, fire, and windstorm coverage included
- Animal collision and falling object damage covered
- Windshield repair with zero deductible options
- Stolen personal items coverage up to $500
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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 at all. Underinsured motorist (UIM) coverage kicks in when the at-fault driver's policy limits are too low to cover your medical bills, lost income, and vehicle damage.
UM/UIM coverage is required in some states and strongly recommended everywhere else. Medical costs from a serious accident can easily exceed $100,000, yet many drivers carry only the state minimum — which may be as low as $25,000 in bodily injury coverage. Without UM/UIM protection, you could be left paying out of pocket for injuries caused by someone else's negligence.
Coskun's UM/UIM policies cover bodily injury for you and your passengers, and optional property damage coverage for your vehicle. Our claims team pursues recovery from at-fault parties when possible, but your coverage activates immediately so you are never left waiting for another insurer to act.
- Bodily injury coverage for you and passengers
- Optional uninsured motorist property damage (UMPD)
- Stacking options available in eligible states
- Hit-and-run accident coverage included
- No deductible on bodily injury UM claims
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Roadside Assistance & Towing
A breakdown, flat tire, dead battery, or lockout can happen anywhere — and at the worst possible moment. Coskun's roadside assistance program provides 24/7 emergency support anywhere in the United States, so you are never stranded on the side of the road. One request through our online portal connects you to a dispatch network that sends help to your location within minutes.
Our towing service covers transport to the nearest authorized repair facility or a location of your choice within policy mileage limits. Additional services include fuel delivery, jump-starts, tire changes, winching for stuck vehicles, and locksmith assistance for lockouts. Premium policyholders receive priority dispatch and extended towing mileage at no extra charge.
Roadside assistance is available as an add-on to any Coskun policy or included automatically with comprehensive and full-coverage packages. There is no separate deductible for roadside service calls — just reliable help when you need it most, day or night, 365 days a year.
- 24/7 nationwide emergency roadside assistance
- Complimentary towing up to 100 miles per incident
- Jump-starts, flat tire changes, and fuel delivery
- Lockout and key replacement assistance
- No deductible on roadside service calls
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Claims Processing & Support
Filing an insurance claim should never add stress to an already difficult situation. Coskun Auto Insurance has built one of the industry's most efficient claims processes, with most auto damage claims resolved within 48 hours of initial report. Our dedicated claims team is available around the clock via email and our secure online claims portal.
From the moment you report an incident, a personal claims adjuster is assigned to your case. They coordinate towing, arrange rental vehicles, approve repairs at certified body shops, and keep you updated at every stage. For injury claims, we work directly with medical providers and legal representatives to ensure fair and timely settlements.
Coskun also offers digital claims tools that let you upload photos, track repair status, and receive payment via direct deposit — all from your smartphone. With a 98% claim satisfaction rate and transparent communication throughout, you can focus on recovery while we handle the paperwork.
- 24/7 claims reporting by email or online portal
- Dedicated personal adjuster assigned to every claim
- Most claims resolved within 48 hours
- Digital photo upload and real-time status tracking
- Direct deposit payments for approved settlements
