Personal Security & Protection

Here is a list of each U.S. state's minimum personal auto insurance coverage requirements: Alabama Bodily Injury Liability: $25,000 per person Bodily Injury Liability: $50,000 per accident Property Damage Liability: $25,000 per accident Alaska Bodily Injury Liability: $50,000 per person Bodily Injury Liability: $100,000 per accident Property Damage Liability: $25,000 per accident Arizona Bodily Injury Liability: $25,000 per person Bodily Injury Liability: $50,000 per accident Property Damage Liability: $15,000 per accident Arkansas Bodily Injury Liability: $25,000 per person Bodily Injury Liability: $50,000 per accident Property Damage Liability: $25,000 per accident …

The promotion covers state minimum required liability insurance for your vehicle. A $1,000 deductible (or state minimum allowed) applies. The first 3 months are free; after that, standard member rates apply.

If you have been in an accident or your vehicle has been damaged, you can file an auto insurance claim quickly through MyRMO. Steps to File a Claim: Ensure everyone is safe. Call emergency services if there are injuries or hazards. Document the scene: take photos of all vehicles involved, damage, road conditions, and any relevant signage or traffic signals. Exchange information with other drivers (name, insurance, contact, license plate). Log in to MyRMO and navigate to "Insurance" then "File a Claim." Select "Auto Insurance Claim" and provide details about the incident: date, time, location, description of what happened, and a police report number if available. Upload photos and…

Getting an auto insurance quote from RMO is fast and can be done online through MyRMO or by scheduling an appointment with an Expert. Online Quote Through MyRMO: Log in to MyRMO and navigate to "Insurance" then "Auto Insurance." Select "Get a Quote." Enter your vehicle information: year, make, model, VIN (optional for a faster quote), and mileage. Provide driver details: name, date of birth, license number, and driving history. Choose your desired coverage tier (MyAuto Basic, Standard, Plus, or Premium) or let the system recommend a plan based on your profile. Review your personalized quote. You can adjust deductibles and coverage limits to see how they affect your premium. If you…

General liability and operations protection are both core business coverages, but they protect against different things. General liability (GL): covers third-party claims — when someone else is harmed and they sue your business. A customer slips and falls at your storefront. Your work damages a client's property. An advertising claim alleging libel or copyright infringement. Operations protection / business interruption: covers your business's own losses — lost revenue and continuing expenses when a covered event interrupts operations. A fire damages your equipment and you lose two weeks of revenue. A critical machine breaks down and operations pause for a week. A supplier fails and…

RMO Insurance offers four tiers of auto insurance to match your coverage needs and budget. MyAuto Basic — Meets state minimum liability requirements. Includes bodily injury and property damage liability coverage. A budget-friendly option for drivers who need essential legal coverage. MyAuto Standard — Includes everything in Basic plus collision and comprehensive coverage. Protects your vehicle against accidents, theft, vandalism, weather events, and animal strikes. MyAuto Plus — Adds uninsured/underinsured motorist coverage, rental car reimbursement, and roadside assistance to the Standard plan. Provides broader protection for you and your passengers. MyAuto Premium — Our most…

RMO Insurance offers a $0 down auto insurance program that allows qualifying members to start coverage without a large upfront payment. How It Works: Instead of paying the first month's premium plus a down payment at policy inception, you pay only a small enrollment fee to start your coverage immediately. Your full premium is spread evenly across monthly installments for the policy term. Coverage begins on the effective date you select during enrollment — there is no waiting period. Who Qualifies: New and existing RMO members with an active RMO checking or savings account Enrolled in autopay through MyRMO for monthly premium payments Valid driver's license and vehicle…