The Pivotal Insurance Agency LLC

217 West Main Street,
Louisa, VA 23093

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Additional auto coverage you may want beyond basic

At The Pivotal Insurance Agency LLC in Louisa, VA, we are an independent insurance agency. We work for our customers, not for the insurance carriers. Providing our customers with personalized service, as well as more choices, is what we are known for.  We will do the work to find the best coverage for you at the best price. 

To maximize coverage for your car, here are some add-ons you may want beyond the basic:


Collision coverage protects your vehicle from you and an accident that you may be responsible for. It also covers your vehicle if you have an accident where no other vehicle is involved or a hit-and-run. 


Comprehensive insurance coverage covers a variety of different types of potential threats to your vehicle, including theft and vandalism. High winds, hail, ice and snow, and floods are all included in this coverage. It also covers a large animal that may decide to run into your vehicle. 

Uninsured or Underinsured motorist coverage

If you have an accident with an uninsured or underinsured motorist, no matter who is at fault, you can be left holding the bag. You should have your own coverage to help keep you safe. This coverage will pay for injuries to you and your passengers and for damage to your vehicle. 

Gap coverage

Gap coverage covers the gap between your auto loan and the value the insurance company assigns to your vehicle. This is important coverage for new vehicles in particular. Without it, you could be left owing money on your loan for a vehicle that you no longer have. 

Roadside assistance

Roadside assistance provides the same coverage as the well-known auto club provides. You won’t have to worry about a breakdown when you are out and about or after an accident. 

Give us a call today

Contact The Pivotal Insurance Agency LLC in Louisa, VA to discuss your very important auto insurance coverage.