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Car and truck insurance built for your family and lifestyle.

Get covered with the right auto insurance policy. Our auto insurance agency strives to provide competitive car insurance rates, comprehensive coverage, and great service across the U.S.

Auto Insurance to Suit Your Lifestyle

Just like any other asset, your vehicle is a costly investment. It’s exposed to many potential risks that are beyond your control.

At Gessel & Associates Insurance Agency, we’ll make sure your vehicle gets the protection you deserve at a price you can afford. Some types of auto insurance coverage we offer include:

Medical Payments Coverage

Whether or not an auto accident was caused by you, healthcare costs can run into thousands of dollars. Often, out-of-pocket expenses may not be feasible.

Our medical payments coverage will help cover medical and funeral expenses for covered drivers and passengers. These expenses include ambulance fees, surgery fees, hospital visit costs, and more.

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Property Damage Coverage

Our property damage coverage helps pay for damages that you cause to someone else’s car or property during a car accident. Whether another vehicle, someone’s home or business, property damage coverage will help protect you financially.

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Bodily Injury Liability Coverage

As the operator or owner of a vehicle, you may be held financially responsible for any bodily injury caused as a result of the accident.

Our bodily injury liability insurance helps cover your legal liability for bodily injury to another party as a result of an accident. It is recommended to purchase an umbrella policy which will provide additional limits of liability.

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Uninsured-Underinsured Motorist Coverage

If you get into an accident with an uninsured motorist, and they are at-fault, it means they don’t have any coverage to pay for your resulting medical bills, auto repairs, and lost wages. Similarly, people with not enough coverage are called underinsured.

Note that uninsured and underinsured motorist coverage is required in some states, but optional in other states.

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How can auto insurance protect you?
Use the yellow hot spots and explore how auto insurance can help protect against common risks.
Bodily Injury Liability Coverage
Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.


Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Property Damage Coverage
Risk Factor

When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else's property. The amount required, if any, can vary by state.


The property damage portion of your auto insurance policy protects you if your car damages someone else's property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.

Medical Payments Coverage and Personal Injury Protection
Risk Factor

Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it's not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health plan.


Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it's important to understand what's required where you live.

Uninsured / Underinsured Motorist Damage Coverage
Risk Factor

What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.


Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Physical Damage Coverage
Risk Factor

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.


Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Rental Coverage / Loss of Use
Risk Factor

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.


Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

Why Choose Our Top Auto Insurance Agency

Thousands of car owners countrywide trust Gessel & Associates Insurance Agency for their auto insurance. Here are the top reasons why we’re the #1 auto insurance agency you can trust:


We have a strong passion for insurance and protecting your vehicles. With our extensive experience in the insurance industry, we will help you choose the right auto coverage.

Claims Assistance

You might be unsure about a claim, but our agents will be your point of contact to consult on a claim, and then should a claim need to be filed our agents will guide you through the process.

Coverage Across the U.S.

We provide coverage to clients across the U.S. by representing reliable, reputable national and regional insurance carriers. Whatever your coverage needs, we have a comprehensive insurance solution for you and your family.

Affordable Full Coverage Auto Insurance for Your Needs

Regardless of your situation, we have affordable auto insurance options to fit your needs. We insure all types of vehicles and drivers.

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Let’s discuss your auto insurance.

One of our insurance advisors will reach out to you to review your information and present you with the appropriate car or truck insurance solution. There’s no obligation, just good-old-fashioned advice.
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Gessel & Associates offers comprehensive auto insurance in multiple states across the US.