Auto policies, from less to more included coverage
Compare the coverage points side by side.
Birk Official presents Auto policies in a clear progression so you can see which coverage points are included at each level. Start with the rows, compare what changes, and use the policy names only as a quick reference.
Showing all 14 coverage points
Swipe or use the arrows to move between policies
Coverage point
Level 1
Everyday
7 of 14 included
Level 2
Household
10 of 14 included
Level 3
Extended
12 of 14 included
Level 4
Complete
14 of 14 included
What this level adds
Points 1 to 7
Liability to others, uninsured and underinsured driver, and medical coverages.
+3 points
Collision Damage, Other-Than-Collision Damage, Emergency Road Service.
+2 points
Transportation Expense, Glass Repair and Replacement.
+2 points
Loan/Lease Payoff, New Vehicle Replacement.
These are policy comparison points, not universal guarantees. Availability, requirements, definitions, conditions and eligibility can vary by policy and location. Limits, deductibles and other terms are set out in the policy details.
Read the row before the policy name
The checkmark tells you what's included. The policy details tell you how it works.
Layer 1 · Included
The comparison shows this coverage point is part of the policy. It is the starting point, not the full answer.
A useful question: Which policies include this point?
Layer 2 · Coverage
What the coverage refers to in that particular policy, and the situations it is written to address.
A useful question: What does this coverage address in my policy?
Layer 3 · Limits
The maximum amounts the policy sets out for that coverage. They are listed in the policy details.
A useful question: What limits apply to this coverage?
Layer 4 · Deductible
Where a deductible applies, the portion you would be responsible for before the coverage pays.
A useful question: Is there a deductible for this coverage, and what is it?
Layer 5 · Conditions
Definitions, requirements and exclusions that shape when and how the coverage applies.
A useful question: What conditions or exclusions apply here?
Included doesn't mean unlimited
A coverage point appearing in a policy does not mean unlimited coverage. Limits, deductibles, conditions and other policy terms may still apply.
The same coverage name can have details behind it
A label such as Collision Damage or Emergency Road Service identifies a coverage concept. The actual policy information determines how that coverage applies.
More included points doesn't mean every situation is covered
The progression on this page compares the listed coverage points. Review the relevant policy information and ask about the details that matter to you.
Use the comparison to identify the differences. Use the policy details to understand them.
Same coverage name. The details live in the policy.
Three vehicle details worth having ready
A useful policy conversation starts with accurate information about the car and its use.
01 · The vehicle
Make, model, year and other relevant vehicle information provide the starting point for discussing Auto coverage.
02 · How it is used
Regular commuting, everyday personal driving and other uses can be relevant information when discussing coverage.
03 · Who regularly drives it
Knowing who regularly operates the vehicle helps make the insurance conversation more accurate.
Have your vehicle details ready? Explore the policies above or contact Birk Official with your questions.
ContactLife and Health are part of Birk Official too
Looking beyond Auto? Start the conversation with us.
Life insurance
For conversations involving income and the people who financially depend on it.
Birk Official offers Life Insurance. If Life coverage is the reason for your visit, contact us so the conversation can focus on the responsibilities and circumstances relevant to you.
Contact About Life Insurance
Health insurance
For conversations about healthcare coverage and household medical needs.
Birk Official offers Health Insurance. Contact us to discuss Health coverage and the information relevant to the options you are exploring.
Contact About Health InsuranceAuto. Life. Health.
Three insurance conversations, one practical place to start.
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