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

# Insure your vehicle

> Show us your existing policy, or get covered in the flow.

Your vehicle has to be insured before it can be released to you. You can use a policy you already have, or buy one during checkout.

## What your policy must satisfy

Requirements come from your state and, if you financed, your lender. You are shown the exact list for your situation.

**Coverage amounts** — your state's minimums for personal injury protection, property damage liability, and bodily injury liability, plus anything else your state mandates.

**Policy details:**

| Requirement                                                 | Why                                       |
| ----------------------------------------------------------- | ----------------------------------------- |
| The insurer must be **licensed in your registration state** | Out-of-state policies may not be accepted |
| The policy must **start before your delivery date**         | The vehicle cannot be released uninsured  |
| It must **not expire within 90 days** of delivery           | A policy about to lapse is not acceptable |
| The **named insured must match your name exactly**          | It has to be verifiably your policy       |

For example, a Florida buyer needs $10,000 personal injury protection and $10,000 property damage liability, because Florida is a no-fault state.

<Warning>
  **"Named insured must match exactly"** catches people out. A policy in a spouse's name, or with a maiden name, will fail verification. Get it corrected with your insurer before uploading.
</Warning>

## If you already have insurance

Add the new vehicle to your policy, then provide your policy details or upload proof. Your insurer can usually add a vehicle the same day and email you an updated card.

## If you need insurance

You can get quotes and buy a policy **inside the flow**, from embedded carriers. You do not have to leave, sort it out elsewhere, and come back.

<Tip>
  This is genuinely easier than the alternative. Buyers who go away to arrange insurance separately are the ones whose deliveries slip.
</Tip>

## Verification

Your policy is checked against the requirements. If something does not match, you are told exactly what, so you can fix that one thing rather than guessing.

Common failures:

* The name does not match exactly
* The new vehicle is not on the policy yet
* Coverage is below your state's minimum
* The policy expires too soon
* The insurer is not licensed in your registration state

## Financing means stricter requirements

If you financed, your lender has its own requirements, usually including comprehensive and collision coverage, on top of your state's minimums. Those are shown to you as well.

<Warning>
  Your vehicle **cannot be delivered or collected** until insurance is verified. If your delivery date is close, deal with this first.
</Warning>