> ## Documentation Index
> Fetch the complete documentation index at: https://docs.ekhodealer.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Insure Your Vehicle

> Get new insurance or use your existing policy to meet vehicle purchase requirements

## Overview

Street-legal vehicles always require insurance coverage to drive on public roads, while certain vehicle types like OHVs (Off-Highway Vehicles) do not. All states require insurance to drive vehicles on public roads, but not all states require proof of insurance before completing a purchase. You can either purchase a new insurance policy through Ekho's recommended carriers or use your existing insurance policy if it meets all requirements. If insurance proof is required for your purchase, your insurance must meet state minimums and lender requirements (if financing) before you can complete your purchase.

## How It Works

Start by reviewing your insurance requirements to understand what coverage you need and whether proof is required for your purchase. Then check if you have existing insurance that meets those requirements and that your new vehicle is listed on the policy. If your existing policy meets requirements, skip ahead to validate your insurance. If not, or if you don't have existing insurance, purchase a new policy through Ekho's recommended carriers. Once you have insurance that meets all requirements (whether existing or newly purchased), validate your insurance to complete your purchase.

## Review Requirements

Review all the requirements your insurance policy must meet, including whether proof is required for your purchase.

<Steps>
  <Step title="Understand Your Requirements">
    You'll see a comprehensive list of what your insurance policy must include, organized into categories.

    **State Requirements:**

    **Coverage Amounts You Need:**

    * Personal Injury Protection (PIP): State-specific minimum
    * Property Damage Liability (PDL): State-specific minimum
    * Bodily Injury Liability: State-specific minimum (if required)
    * Other state-mandated coverage types

    **Policy Details:**

    * Insurance company must be licensed in your registration state
    * Out-of-state insurance policies may not be accepted
    * Policy start date must be before your delivery date
    * Policy expiry date must be at least 90 days after delivery
    * Named insured must match your name exactly

    **Example for Florida:**

    * \$10,000 in Personal Injury Protection (PIP)
    * \$10,000 in Property Damage Liability (PDL)
    * Florida is a no-fault state
    * Penalties apply for driving without insurance

    **Lender Requirements (If Financing):**

    **VERY IMPORTANT** - If you're financing your vehicle:

    * **VIN Required**: Vehicle Identification Number must be listed on the policy
    * **Lienholder Listed**: Your lender must be named as lienholder or loss payee
    * **Higher Coverage**: Lenders often require coverage amounts higher than state minimums
    * **Comprehensive & Collision**: Full coverage typically required, not just liability
    * **GAP Insurance**: May be required depending on your loan terms
    * **Proof Type**: Specific document types required (declarations page, certificate)

    <Check>
      You understand the minimum coverage amounts and policy requirements for your situation.
    </Check>
  </Step>

  <Step title="Determine If Proof Is Required">
    Check whether insurance proof is required for your purchase or if it's optional.

    **When Insurance Proof Is Optional**

    If your state and financing situation don't require proof of insurance at the time of purchase, you'll see the option to purchase or verify existing insurance as optional.

    **What This Means:**

    * Insurance proof is not required to complete your purchase
    * You can continue without validating insurance and add it before delivery
    * **Important**: All states require insurance to drive vehicles on public roads, but not all states require proof before purchase
    * If you're purchasing a street-legal vehicle, you will always need insurance to legally operate it, even if proof isn't required for purchase
    * Certain vehicle types like OHVs do not require insurance

    **Why you should purchase insurance through Ekho for street-legal vehicles:**

    * Street-legal vehicles always require insurance to operate legally
    * Complete the process in just a few minutes
    * Choose from national providers with policies specific to your vehicle manufacturer
    * Get coverage that meets all requirements upfront
    * If your current insurance does not have the coverage necessary for the vehicle, purchasing a new policy ensures you meet all requirements

    **When Insurance Proof Is Required**

    If you're financing or your state requires insurance proof for registration, you must either purchase a new policy or validate your existing coverage.

    **What This Means:**

    * You cannot complete your purchase without providing proof of insurance
    * You must either purchase a new policy or verify your existing policy meets requirements
    * Your insurance must meet state minimums and lender requirements (if financing)

    **What You'll See:**

    * "Purchase a New Policy" as the primary recommended option
    * Carriers confirmed to offer policies for your specific vehicle
    * Examples: Progressive, Allstate, State Farm
    * Quick purchase process (just a few minutes)

    <Check>
      You know whether insurance proof is required for your purchase.
    </Check>
  </Step>
</Steps>

<Note>
  The list of carriers shown are confirmed to offer coverage for your specific vehicle model.

  **Access Requirements Anytime:**

  Throughout your order, you can click "View insurance requirements" to open a detailed modal showing:

  * **Requirements Tab**: Complete list of all state requirements, policy requirements, lender requirements (if financing), and your current insurance status
  * **Carriers Tab**: Full list of recommended carriers, carrier websites and quote links, and vehicle information for reference

  Access this modal from the insurance section of your order, your order status hub, or during proof of insurance upload. This lets you reference requirements while getting quotes or purchasing your policy.
</Note>

## Check Existing Insurance

After reviewing your insurance requirements, check whether your existing insurance policy can meet all those requirements. Use the decision guide below to determine your next step.

**When to Purchase New Insurance**

You likely need new insurance if:

* No existing auto insurance policy
* Only liability coverage (and financing)
* Coverage below lender requirements
* Carrier not in your registration state
* Carrier doesn't cover your vehicle type

**Next step:** Continue with [Get Insurance](#get-insurance) to purchase a new policy, then [Validate Your Insurance](#validate-your-insurance) to verify it.

**When to Use Existing Insurance**

Your policy likely meets requirements if:

* Active auto insurance with comprehensive and collision coverage
* Coverage amounts meet or exceed state and lender requirements
* Carrier licensed in your registration state
* Can add new vehicle and lienholder (if financing)

**Next step:** Continue with [Validate Your Insurance](#validate-your-insurance) to verify your existing policy.

<Steps>
  <Step title="Check Your Current Policy">
    If you have an existing vehicle insurance policy, review your policy documents (declarations page, insurance card, or certificate) against the requirements you reviewed in the [Review Requirements](#review-requirements) section above.

    <Check>
      You've compared your current policy against all requirements and determined whether it can meet them.
    </Check>
  </Step>
</Steps>

<Note>
  Even if your existing policy meets requirements, you'll need to add your new vehicle and lender (if financing) to the policy before you can use it. See the [Complete Full Validation](#complete-full-validation) section for details on what to contact your carrier about before providing proof.
</Note>

## Get Insurance

If you don't have existing insurance that meets requirements, purchase a new insurance policy through one of Ekho's recommended carriers. Find carriers that offer coverage for your specific vehicle, get quotes, and purchase a policy that meets all state and lender requirements.

For eligible vehicles, you can [get a Progressive quote directly inside the Buyer Portal](#get-a-progressive-quote-in-the-buyer-portal) without leaving Ekho. Otherwise, browse the carrier list and visit the carrier's website to get a quote.

### Get a Progressive Quote in the Buyer Portal

For most street-legal vehicles, Progressive appears as a recommended carrier with a **Get a quote in minutes** card on the insurance choice page. You can complete the entire quote flow inside Ekho without visiting Progressive's website. When you select a rate, Ekho bridges you to Progressive to finish purchasing the policy.

**When this is available:**

* Your vehicle type is supported by Progressive (most cars, trucks, SUVs, and motorcycles)
* You're shopping for a new policy (not validating existing insurance)

If the in-portal quote isn't available for your vehicle, you'll see the standard list of recommended carriers instead and can continue with the [Find Carriers](#find-carriers) flow below.

<Steps>
  <Step title="Open the Progressive Quote Card">
    On the insurance choice page, select the **Progressive: Get a quote in minutes** card. Ekho launches the quote flow inline.

    <Check>
      The quote flow opens inside the Buyer Portal.
    </Check>
  </Step>

  <Step title="Review and Accept the Disclosure">
    Read the disclosure explaining:

    * Ekho shares basic vehicle and contact information with Progressive to generate your quote
    * Rates are provided by Progressive and subject to their underwriting
    * You'll finalize and pay for the policy on Progressive's site

    Accept the disclosure to continue.

    <Check>
      You've reviewed and accepted the Progressive disclosure.
    </Check>
  </Step>

  <Step title="Confirm Driver and Vehicle Details">
    Confirm or fill in the driver and vehicle information Progressive needs to quote your policy. Ekho prefills what it already knows (vehicle make, model, year, VIN, ZIP). You provide:

    * Driver name and date of birth
    * Address details (if not already on file)
    * Any additional fields Progressive requires for your state

    <Check>
      All required driver and vehicle fields are completed.
    </Check>
  </Step>

  <Step title="Review Your Rates">
    Progressive returns up to three coverage tiers (for example, **Basic**, **Choice**, and **Plus**) with yearly premiums. Each tier shows what's included so you can compare coverage levels side by side.

    <Note>
      Rates are quoted yearly. The final premium and payment plan options (monthly or annual) are confirmed on Progressive's site when you complete the purchase.
    </Note>

    <Check>
      You can see the available coverage tiers and their yearly premiums.
    </Check>
  </Step>

  <Step title="Bridge to Progressive to Purchase">
    Select the tier you want. Ekho generates a secure bridge link to Progressive that carries your quote forward. The link is time-limited, and a countdown shows how long you have before it expires.

    Click the bridge button to continue on Progressive's site, where you:

    * Review the full policy details
    * Choose a payment plan
    * Provide payment information
    * Accept Progressive's policy terms

    <Check>
      You've completed the purchase on Progressive's site.
    </Check>
  </Step>

  <Step title="Return to Ekho to Validate">
    After Progressive issues your policy, return to Ekho to [validate your insurance](#validate-your-insurance). When Progressive notifies Ekho that your policy is bound, your purchase proof is attached to your order automatically, so you may not need to upload documents manually.

    <Check>
      Your policy is purchased and Ekho is validating it.
    </Check>
  </Step>
</Steps>

<Note>
  **If anything goes wrong during the in-portal quote** (for example, Progressive can't quote your vehicle, or the rates don't load), you can dismiss the quote flow and continue with the standard carrier list. You can also refresh to retry without losing your place.
</Note>

### Find Carriers

View the list of carriers that offer policies for your specific vehicle.

**Carrier Information:**

Each carrier card shows:

* **Carrier Name**: The insurance company (e.g., Progressive)
* **Website Link**: Visit the carrier's main website
* **Find an Agent**: Link to locate a local agent (if available)
* **Generate Quote Button**: Start an online quote (if available)

<Steps>
  <Step title="Review Available Carriers">
    See which carriers offer policies for your vehicle. The list shows companies confirmed to provide coverage for your vehicle type.

    <Check>
      You see multiple carrier options to choose from.
    </Check>
  </Step>

  <Step title="Check Vehicle Details">
    Expand the vehicle information section at the bottom of the page. You'll need these details when getting quotes:

    * Make and model
    * Year
    * VIN
    * Vehicle type
    * Other specifications

    <Check>
      You have your vehicle information ready to reference.
    </Check>
  </Step>
</Steps>

<Note>
  Some carriers may only offer policies in certain states. Contact the carrier directly to confirm they operate in your registration state and cover your vehicle type.
</Note>

### Get Quotes

Visit carrier websites to get insurance quotes. Use the vehicle details from Ekho and reference the requirements from the [Review Requirements](#review-requirements) section to ensure your quote meets all coverage needs.

**What to provide when getting quotes:**

* Vehicle details (make, model, year, VIN)
* Coverage amounts that meet or exceed state and lender requirements
* Lender information (if financing) to add as lienholder
* Expected delivery date (policy must start before delivery and expire at least 90 days after)

<Note>
  Get quotes from multiple carriers to compare rates and coverage. Prices can vary significantly between companies for the same coverage.
</Note>

### Purchase Policy

Complete your insurance purchase with your chosen carrier.

<Steps>
  <Step title="Verify Requirements Are Met">
    Before finalizing, confirm your policy includes everything required:

    * ✓ Coverage amounts meet or exceed state minimums
    * ✓ Coverage amounts meet or exceed lender requirements (if financing)
    * ✓ VIN is listed on the policy
    * ✓ Lender is listed as lienholder (if financing)
    * ✓ Named insured matches your name exactly
    * ✓ Policy start date is before your expected delivery date
    * ✓ Policy expiry date is at least 90 days after your expected delivery date
    * ✓ Carrier is licensed in your registration state

    <Check>
      All requirements are satisfied by this policy.
    </Check>
  </Step>

  <Step title="Complete Purchase">
    Follow the carrier's checkout process:

    * Review final policy details
    * Select payment plan (monthly or annual)
    * Provide payment information
    * Review and accept policy terms

    <Check>
      Payment is processed and policy is active.
    </Check>
  </Step>

  <Step title="Receive Policy Documents">
    The carrier sends you policy documents via email or through their portal. The declarations page is the most common proof document and typically meets all requirements.

    <Check>
      You've received and can access your policy documents.
    </Check>
  </Step>
</Steps>

## Validate Your Insurance

Validate your insurance policy to complete your vehicle purchase. Whether you're using existing insurance or a newly purchased policy, you'll need to verify that your coverage meets all state and lender requirements. Connect your insurance account for automatic verification, or upload your insurance documents for review. The system checks that your policy meets all requirements before you can complete your purchase.

<Note>
  **If you just purchased new insurance:** After purchasing your policy, locate your proof document from your carrier (typically emailed immediately or available in their online portal). Return to your order in the Ekho Buyer Portal and continue below to validate your insurance.
</Note>

### Complete Full Validation

Follow these steps to verify your insurance meets all requirements. If you're financing or your state requires proof of insurance, you must validate that your insurance policy meets all requirements.

**Important:** If you're using existing insurance, you must contact your carrier BEFORE validation to add your new vehicle and lender (if financing). If you just purchased new insurance, your policy should already include these details.

<Steps>
  <Step title="Review Requirements">
    Before validating your insurance, review exactly what your policy needs to include. Reference the requirements you identified in the [Review Requirements](#review-requirements) section above.

    <Note>
      **Important:** If you're using existing insurance, you must contact your insurance carrier BEFORE attempting validation to:

      * Add your new vehicle to the policy
      * Add your lender as lienholder (if financing)
      * Ensure coverage amounts meet requirements
      * Request an updated declarations page showing these changes

      If you just purchased new insurance, your policy should already include these details.
    </Note>

    <Check>
      You understand what your policy needs to include based on the requirements you reviewed earlier.
    </Check>
  </Step>

  <Step title="Contact Your Carrier (If Needed)">
    If you're using existing insurance and need to add the vehicle or lienholder, contact your insurance company now to update your policy before continuing.

    <Check>
      Your policy has been updated and includes the new vehicle and lienholder (if required), or you've confirmed your newly purchased policy already includes these details.
    </Check>
  </Step>

  <Step title="Choose Verification Method">
    Choose how you'll verify your insurance meets requirements.

    **Option 1: Automatic Verification (Recommended)**

    Connect your insurance account for instant verification. The fastest way to verify your insurance is by logging into your insurance carrier's account. The system checks your policy details automatically and confirms they meet all requirements.

    **Option 2: Manual Document Upload**

    Provide your insurance policy details and documents for review. Use this option if:

    * Automatic verification failed and showed specific issues
    * You prefer to upload documents instead of connecting your account
    * Your carrier isn't supported for automatic verification

    <Check>
      You've chosen your verification method.
    </Check>
  </Step>

  <Step title="Complete Automatic Verification (If Chosen)">
    If you chose automatic verification:

    1. Click "Connect your insurance account" or "Log into my account"
    2. Select your insurance carrier from the list
    3. Enter your carrier account username and password
    4. Wait for verification (may take up to a minute)

    **What's Being Checked:**

    * Accuracy of vehicle details
    * Required minimum levels of coverage
    * Status of the policy (active/expired)
    * Insurance carrier is licensed to operate in your state

    **If Verification Succeeds:**

    You'll see "Success!" with checkmarks for all verified requirements. Click "Continue" to proceed to the next section of your order. Your insurance is verified and you can continue your purchase.

    **If Verification Fails:**

    The system may find issues with your policy:

    * Policy not active or expired
    * Coverage amounts below requirements
    * VIN not listed on policy
    * Lienholder not added to policy
    * Vehicle not found on policy
    * Coverage type missing (comprehensive, collision, etc.)

    You'll see a message explaining "We couldn't verify your insurance" with a list of specific issues. Review the issues and proceed to manual document upload instead.

    <Check>
      Automatic verification is complete (succeeded or failed, in which case you'll proceed to manual upload).
    </Check>
  </Step>

  <Step title="Enter Policy Information">
    Fill out the required fields:

    * **Insurance carrier name**: Your insurance company (e.g., Progressive, Allstate)
    * **Policy type**: Auto (select from dropdown)
    * **Effective date**: When your policy started or will start
    * **Expiry date**: When your policy expires
    * **Policy number**: Your unique policy number from your insurance card
    * **Agent/broker name**: Your insurance agent's name (optional)

    Check the box: "Is the VIN listed on this policy?" You must check this box to proceed. If your VIN isn't on your policy yet, contact your carrier to add it before continuing.

    <Check>
      All policy information fields are completed.
    </Check>
  </Step>

  <Step title="Prepare Your Documents">
    Make sure your documents clearly show:

    * Your name as the insured
    * The new vehicle's VIN
    * Coverage amounts
    * Your lender as lienholder (if financing)
    * Policy effective and expiry dates

    **What Documents to Upload:**

    The declarations page is preferred and typically meets all requirements. Other acceptable documents include:

    * Certificate of insurance
    * Insurance binder
    * Verification of insurance (VOI)

    **If You're Financing:**

    You may need to upload two documents:

    1. Your insurance document (declarations page preferred)
    2. A lender document (if required) clearly showing your lender as lienholder

    <Check>
      Your documents are ready and show all required information.
    </Check>
  </Step>

  <Step title="Upload Documents">
    1. Click "Upload insurance document" and select your file (PDF preferred, or PNG, JPEG, JPG images)
    2. If financing and a second upload appears, upload the lender document
    3. Click "View insurance requirements" at any time to see what the Ekho team will be checking

    <Check>
      Your documents are uploaded.
    </Check>
  </Step>

  <Step title="Submit for Review">
    1. Read the disclaimer confirming your information is accurate
    2. Click "Save and continue" to submit your insurance for review

    <Check>
      Your insurance documents are submitted to the Ekho team for validation.
    </Check>
  </Step>

  <Step title="Wait for Validation">
    After submitting (whether through automatic verification or manual upload), wait for validation.

    **Timeline:**

    * Automatic verification: Instant to about 1 minute
    * Manual review: Typically takes 1-2 business days
    * You'll receive an email when validation is complete
    * Check your order status for updates

    <Check>
      You've submitted your insurance and are waiting for validation.
    </Check>
  </Step>

  <Step title="Check Validation Results">
    **If Your Insurance Is Approved:**

    You'll see: "We have validated that your \[Carrier Name] insurance meets the requirements listed below" with a green success indicator. You can now proceed with your vehicle purchase.

    **If Issues Are Found:**

    You'll receive an email explaining specific issues. Common issues include:

    * VIN not visible or clear on the document
    * Lienholder not shown on the policy
    * Coverage amounts unclear or insufficient
    * Document is illegible or poor quality
    * Wrong document type uploaded
    * Policy expired or dates don't cover delivery

    **To Fix Issues:**

    1. Read the email carefully to understand what needs to be fixed
    2. Contact your insurance carrier to address the issues
    3. Obtain new or corrected documents from your carrier
    4. Re-upload through the Ekho portal
    5. Wait for the team to re-review

    You may see an action item in your portal to re-upload insurance when issues are found.

    <Check>
      You've checked your validation results and taken action if needed.
    </Check>
  </Step>
</Steps>

### Track Your Status

View your insurance status throughout your order.

**Access Your Status:**

* Insurance section of your order progress
* Order status hub
* Email notifications for status changes

**Status Indicators:**

**Not Uploaded:**

* Yellow alert: "Awaiting upload of proof of valid insurance for your vehicle"
* Action needed: Complete insurance verification or upload

**Uploaded, Not Validated:**

* Blue alert: "Thank you for uploading your insurance. The team is currently verifying..."
* Action needed: Wait for team review

**Validated:**

* Green checkmark: "We have validated that your \[Carrier] insurance meets the requirements"
* Action needed: None, continue with order

**Blocked:**

* Yellow alert with explanation of why you can't proceed yet
* Common reasons:
  * Waiting for VIN assignment
  * Need to accept financing offer first
* Action needed: Wait for notification when unblocked

## Troubleshooting & FAQ

<AccordionGroup>
  <Accordion title="Why do I need insurance?">
    Insurance requirements depend on your vehicle type and situation:

    * **Street-legal vehicles**: All states require insurance to drive vehicles on public roads
    * **If financing**: Your lender requires proof of insurance to protect their investment
    * **For registration**: State law requires insurance to register street-legal vehicles
    * **Certain vehicle types**: OHVs and similar non-street-legal vehicles do not require insurance

    **Important**: All states require insurance to drive street-legal vehicles on public roads, but not all states require proof of insurance before completing a purchase. Even if proof isn't required for purchase, you will always need insurance to legally operate a street-legal vehicle.
  </Accordion>

  <Accordion title="Can I skip insurance and add it later?">
    This depends on your vehicle type and state requirements:

    * **Street-legal vehicles**: All states require insurance to drive on public roads, but not all states require proof before purchase. If proof isn't required for purchase, you can obtain insurance before delivery
    * **Certain vehicle types**: OHVs and similar non-street-legal vehicles do not require insurance
    * **If proof is required**: You must validate your insurance before you can complete your purchase

    Your insurance choice page will indicate whether insurance proof is optional or required for purchase. Remember: even if proof is optional, you will still need insurance to legally operate a street-legal vehicle.
  </Accordion>

  <Accordion title="Which carrier should I choose?">
    Choose based on:

    * **Price**: Get quotes from multiple carriers to compare rates
    * **Coverage**: Ensure they offer the coverage types you need
    * **State availability**: Confirm they're licensed in your registration state
    * **Vehicle coverage**: Verify they insure your specific vehicle type
    * **Customer service**: Read reviews and check their reputation

    All carriers shown are confirmed to offer policies for your vehicle, but prices and service vary.
  </Accordion>

  <Accordion title="What if none of the listed carriers work for me?">
    The carriers shown are recommended options, but you're not limited to them:

    * Contact other carriers you're familiar with
    * Ask if they provide coverage for your specific vehicle
    * Ensure any carrier you choose is licensed in your registration state
    * Verify they can meet all the requirements shown in Ekho

    You can use any carrier as long as they meet all requirements.
  </Accordion>

  <Accordion title="I don't have a VIN yet. Can I still get insurance?">
    If your VIN hasn't been assigned:

    * You may see a message that you need to wait for VIN assignment
    * Some carriers allow you to get quotes without a VIN
    * You must have the VIN added to your policy before attempting to validate insurance
    * Don't finalize your insurance purchase until you have the VIN

    Wait for Ekho to notify you when your VIN is assigned. The VIN must be included on your policy before you can validate your insurance.
  </Accordion>

  <Accordion title="How much coverage should I buy?">
    Buy enough to meet all requirements:

    * **State minimums**: The bare minimum required by law
    * **Lender requirements**: Often higher than state minimums if financing
    * **Personal protection**: Consider higher limits for additional protection

    If financing, your lender's requirements will typically exceed state minimums. Always meet the higher amount.
  </Accordion>

  <Accordion title="What's the difference between liability and full coverage?">
    * **Liability**: Covers damage you cause to others (required by most states)
    * **Comprehensive**: Covers damage to your vehicle from non-collision events (theft, weather, etc.)
    * **Collision**: Covers damage to your vehicle from accidents

    **Full coverage** = Liability + Comprehensive + Collision. If you're financing, you'll typically need full coverage.
  </Accordion>

  <Accordion title="When should my policy start?">
    Your policy should:

    * Start before your delivery date
    * Expire at least 90 days after your delivery date
    * Not have gaps in coverage
    * Be active when you take possession of the vehicle

    Purchase close to your expected delivery date, but not so close that you risk delays. Contact your carrier about adjusting dates if your delivery changes.
  </Accordion>

  <Accordion title="What does 'lienholder' or 'loss payee' mean?">
    **Lienholder** and **loss payee** are terms for your lender when you're financing a vehicle. They mean essentially the same thing: your lender has a financial interest in the vehicle until you pay off the loan.

    **Lienholder**: The entity that holds a lien (legal claim) on your vehicle until the loan is paid off.

    **Loss payee**: The entity that receives insurance payments if your vehicle is damaged or totaled.

    If you're financing, your lender must be listed on your insurance policy (as either lienholder or loss payee) so:

    * They're notified if you cancel coverage
    * They receive payment if the vehicle is totaled
    * They're protected if damage occurs

    Provide your lender's name and address to your insurance carrier when purchasing.
  </Accordion>

  <Accordion title="What proof document do I need?">
    Most commonly accepted:

    * **Declarations page**: Shows all policy details, coverage amounts, and VIN
    * **Certificate of insurance**: Formal proof document
    * **Insurance card**: May be acceptable for some situations
    * **Insurance binder**: Temporary coverage proof

    Your lender and state determine what's acceptable. The declarations page typically meets all requirements.
  </Accordion>

  <Accordion title="Can I get insurance from an out-of-state carrier?">
    This depends on your state:

    * Some states accept out-of-state insurance
    * Many states require the carrier to be licensed in your registration state
    * Check your state policy requirements shown in Ekho

    When in doubt, choose a carrier licensed in your registration state.
  </Accordion>

  <Accordion title="What if my insurance quote is very expensive?">
    High quotes can result from:

    * Vehicle type (high-performance, electric, expensive to repair)
    * Your driving record
    * Your location
    * Coverage amounts required

    Try:

    * Getting quotes from multiple carriers (rates vary significantly)
    * Asking about discounts (multi-policy, good driver, etc.)
    * Adjusting deductibles (higher deductible = lower premium)
    * Ensuring you're not over-insuring beyond requirements

    Don't reduce coverage below required amounts to save money. This will prevent you from completing your purchase.
  </Accordion>

  <Accordion title="Do I need GAP insurance?">
    GAP (Guaranteed Asset Protection) insurance covers the difference between what you owe and what your vehicle is worth if it's totaled.

    Check if:

    * Your lender requires it (shown in lender requirements)
    * You're putting down less than 20%
    * Your vehicle depreciates quickly

    Some lenders require it, others recommend it. Review your lender requirements in Ekho.
  </Accordion>

  <Accordion title="Can I purchase insurance through Ekho directly?">
    For eligible vehicles, you can get a Progressive quote directly inside the Buyer Portal. See [Get a Progressive Quote in the Buyer Portal](#get-a-progressive-quote-in-the-buyer-portal). Ekho collects driver details, shows you Progressive's rates, and bridges you to Progressive to finalize the purchase.

    For other carriers, Ekho shows you recommended options and requirements, but you purchase insurance directly from the carrier by visiting their website, calling their agents, or using their online quote tools.

    In all cases, you return to Ekho after purchase so your insurance can be validated against your order's requirements.
  </Accordion>

  <Accordion title="Why don't I see the in-portal Progressive quote?">
    The in-portal Progressive quote only appears for vehicle types Progressive can underwrite. If your vehicle isn't eligible (for example, certain off-highway or specialty vehicles), you'll see the standard list of recommended carriers instead and can get a quote on the carrier's website. If you click a Progressive card and the quote can't be generated, Ekho returns you to the carrier list so you can continue without getting stuck.
  </Accordion>

  <Accordion title="How long does it take to get insurance?">
    Timeline varies:

    * **Online quotes**: Instant to a few minutes
    * **Agent quotes**: Same day to 1-2 business days
    * **Policy issuance**: Immediate to 24 hours after purchase
    * **Proof documents**: Immediate via email or through carrier portal

    Most buyers can complete the entire process in under an hour.
  </Accordion>

  <Accordion title="Do I need to add my new vehicle to my existing policy before validation?">
    Yes, if you're required to validate your insurance:

    * Contact your carrier to add the new vehicle to your policy
    * Provide them with the VIN (once you have it)
    * If financing, also add your lender as lienholder
    * Request an updated declarations page showing the additions

    Without the vehicle and lienholder on your policy, validation will fail.
  </Accordion>

  <Accordion title="What's the difference between automatic verification and manual upload?">
    **Automatic Verification:**

    * Log into your insurance carrier's account
    * System checks policy details instantly
    * Results in about 1 minute
    * If successful, continue immediately
    * If unsuccessful, switch to manual upload

    **Manual Upload:**

    * Enter policy details and upload documents
    * Ekho team reviews manually
    * Takes 1-2 business days
    * Used after automatic verification fails or if you prefer

    Try automatic first. It's much faster if it works.
  </Accordion>

  <Accordion title="Why did automatic verification fail?">
    Common reasons:

    * **VIN not on policy**: Your new vehicle isn't added to your policy yet
    * **Lienholder missing**: Your lender isn't listed (if financing)
    * **Low coverage**: Your coverage amounts are below requirements
    * **Policy inactive**: Your policy is expired or not yet effective
    * **Wrong vehicle**: The system found your old vehicle but not the new one
    * **Multiple policies**: You have multiple policies and the system couldn't determine which one applies

    Read the specific errors shown and contact your carrier to fix them before trying again.
  </Accordion>

  <Accordion title="What if my carrier isn't available for automatic verification?">
    If your carrier isn't listed when you try to log in:

    * Use the manual upload option instead
    * Enter your policy details
    * Upload your declarations page
    * Ekho team will review manually

    Not all carriers support automatic verification, but manual upload works for any carrier.
  </Accordion>

  <Accordion title="Which insurance document should I upload for proof?">
    Best options in order:

    1. **Declarations page**: Shows all policy details, VIN, lienholder, coverage amounts (preferred)
    2. **Certificate of insurance**: Formal document with complete policy information
    3. **Insurance binder**: Temporary coverage document with full details
    4. **Verification of insurance (VOI)**: May be acceptable depending on requirements

    The declarations page is almost always the best choice as it shows everything needed in one document.
  </Accordion>

  <Accordion title="I haven't accepted a financing offer. Can I validate insurance?">
    If you're financing, you may be blocked until you accept an offer:

    * The lender requirements depend on which lender you choose
    * Each lender has different coverage requirements
    * System needs to know which lender's requirements to check

    Accept your financing offer first, then proceed with insurance validation.
  </Accordion>

  <Accordion title="How do I add my lender as a lienholder?">
    Contact your insurance carrier and provide:

    * Your lender's name (shown in your Ekho financing information)
    * Your lender's address (shown in Ekho or ask Ekho support)
    * Your policy number
    * Your new vehicle's VIN

    Ask them to add the lender as "lienholder" or "loss payee." Request an updated declarations page showing the lender once added.
  </Accordion>

  <Accordion title="Will adding my new vehicle increase my insurance cost?">
    Likely yes:

    * Adding a vehicle usually increases your premium
    * The amount depends on the vehicle type, value, and coverage levels
    * Contact your carrier for a quote before adding
    * You may be able to remove an old vehicle to offset the cost

    The cost increase is separate from your Ekho purchase. You pay your carrier directly for any premium changes.
  </Accordion>

  <Accordion title="What if my coverage amounts are too low?">
    If your current coverage doesn't meet requirements, you have two options:

    **Option 1: Update Your Existing Policy**

    * Contact your carrier to increase coverage
    * Request quotes for higher limits
    * Update your policy with the new coverage amounts
    * Obtain a new declarations page showing increased coverage

    **Option 2: Get a New Insurance Policy**

    * Purchase a new policy through one of Ekho's recommended carriers
    * Ensure the new policy meets all requirements from the start
    * See the [Get Insurance](#get-insurance) section for details

    Lenders often require higher coverage than state minimums. You'll need to meet the higher requirement.
  </Accordion>

  <Accordion title="Can I use a policy in someone else's name?">
    Generally no:

    * The named insured typically must match the buyer
    * Some exceptions for spouses or co-owners
    * You may need additional documentation

    If your insurance is in a different name, contact Ekho support before attempting validation to understand your options.
  </Accordion>

  <Accordion title="What if my policy dates don't align with delivery?">
    Your policy must meet timing requirements:

    * Start date must be before your delivery date
    * Expiry date must be at least 90 days after your delivery date
    * No gaps in coverage allowed

    If your dates don't align, you may need to adjust your policy dates with your carrier.
  </Accordion>

  <Accordion title="How long does manual validation take?">
    Timeline:

    * **Document upload**: Immediate
    * **Team review**: 1-2 business days typically
    * **Email notification**: Sent when review is complete
    * **Resubmit if needed**: Additional 1-2 business days

    To speed this up, ensure your documents are clear, complete, and meet all requirements before uploading.
  </Accordion>

  <Accordion title="What if I upload the wrong document?">
    If you realize you uploaded the wrong document:

    * Contact Ekho support immediately
    * Explain that you need to reupload
    * They may create a way for you to resubmit
    * Or wait for team review, and they'll email you to request the correct document

    It's best to double-check before submitting, but mistakes can be corrected.
  </Accordion>

  <Accordion title="Can I see the requirements while uploading?">
    Yes! Click "View insurance requirements" at any time during the upload process:

    * A modal opens showing all state and lender requirements
    * Reference this while reviewing your documents
    * Confirm your documents show everything listed
    * Close the modal to continue uploading

    This helps ensure you're providing complete information.
  </Accordion>

  <Accordion title="What if my documents are rejected?">
    If the team finds issues:

    * You'll receive an email with specific problems
    * Contact your carrier to fix the issues
    * Obtain new/corrected documents
    * You may see an action item to re-upload in your portal
    * Submit the corrected documents for re-review

    Common fixes: getting higher quality scans, adding VIN/lienholder, or providing missing pages.
  </Accordion>

  <Accordion title="Do I need comprehensive and collision coverage?">
    It depends:

    * **If financing**: Almost always yes, lenders require it
    * **If paying cash**: May only need liability (check state requirements)
    * **Check your requirements page**: Shows exactly what's needed

    Comprehensive covers non-collision damage (theft, weather). Collision covers accident damage. Together they're called "full coverage."
  </Accordion>

  <Accordion title="Can I switch from existing insurance to buying new insurance?">
    Yes, before you complete validation:

    * Go back to the insurance choice page
    * Select "Purchase a new policy" instead
    * Follow the get insurance workflow

    Once your existing insurance is validated, switching would require contacting Ekho support.
  </Accordion>

  <Accordion title="What if I have multiple vehicles on one policy?">
    That's fine, as long as:

    * Your new vehicle is added to that policy
    * The VIN for your new vehicle appears on the policy
    * All coverage requirements are met for the new vehicle
    * Your declarations page clearly shows the new vehicle

    Multi-vehicle policies are common and acceptable.
  </Accordion>

  <Accordion title="Can I change my insurance carrier later?">
    Yes. After your purchase is complete:

    * You're free to switch carriers at any time
    * Notify your lender if you're still financing (they need the new policy info)
    * Ensure continuous coverage with no gaps
    * Compare rates regularly for potential savings
  </Accordion>
</AccordionGroup>