Auto Coverage

Agreed Value: In the event of a total loss to your vehicle, we'll pay you the amount stated on your policy, with no deductible.
Why is it important?

Once your new car is driven off the lot, it begins to depreciate. Most carriers will reflect that depreciation in a lower total loss settlement. With Agreed Value coverage from PURE, you and PURE agree at the time your policy is issued what you will be paid in the event of a total loss. That amount remains fixed throughout the one year policy term.

Loan/Lease Coverage: If the Agreed Value settlement does not cover the full unpaid amount due on your loan or lease, we'll pay the difference.
Why is it important?

It is suprisingly common to owe more on a loan or lease than the car is worth. In a total loss, if you owe more on the car than the Agreed Value, PURE will pay the difference for you.

Waiver of Collision Deductible: If your vehicle is hit by an uninsured motorist, we will not subtract your deductible from the payment for your repair.
Why is it important?

In Florida, for example, as many as 1/4 of Florida drivers are uninsured. At PURE, we believe that you should not have to pay a deductible just because the "responsible" other person is uninsured.

Pick Up & Drop Off: PURE will pick up your damaged car and return it to you when repairs are completed. Even if your car is drivable, we will offer to pick it up rather than ask you to drive to the repair facility.
Why is it important?

Your time is valuable. At PURE, one of our goals is to minimize the hassles for you.

Original Equipment Manufacturers Parts (OEM): We will pay to repair your car using original equipment manufacturer's (OEM) auto body parts.
Why is it important?

Aftermarket body parts are sometimes not as well-fitting as OEM parts.

Direct Repair Program: We will provide you with the option to use our network of auto body shops whose workmanship and service will ensure a smooth repair process. We have a strong quality control program with these shops at reduced rates.
Why is it important?

We'll help you get your car repaired well; we'll guarantee the workmanship as long as your own your car. This approach enables us to keep premiums low.

Wear & Tear: PURE will not deduct for depreciation on parts which are subject to 'wear & tear'.
Why is it important?

Some parts (e.g., tires, brakes) wear out over time. Many carriers will deduct for the betterment in having a new replacement part. We won't force you to pay the difference just to get back on the road.

Worldwide Coverage: If you rent or borrow a vehicle anywhere in the world (up to 90 days), your PURE auto policy will apply.
Why is it important?

This gives you peace of mind to know that your are covered when renting a car abroad.

Temporary Replacement Vehicle: If you need to rent a vehicle while your car is being repaired, we'll pay the cost without the daily dollar restrictions most carriers impose. Also, we'll bring the car to you; not force you to go find the car location.
Why is it important?

Most insurance companies will only pay for a budget vehicle and for no more than 30 days. With PURE, in almost every case, you will be able to rent the vehicle you need, as long as you need, without being out-of-pocket.