COVERAGE. CLARITY. LOCAL SUPPORT.
Auto Insurance Coverage, Explained
An auto policy can combine protection for other people, damage to your own vehicle and eligible medical or other benefits. A useful comparison identifies those parts separately, with the limits, deductibles and exclusions shown on each proposal.
Start with liability and state-specific benefits
Liability generally addresses covered injury or property damage you cause to others. Medical, PIP and uninsured/underinsured motorist arrangements vary by state and policy. Review the elections and forms for the vehicle’s registration state rather than assuming one package fits every location.
Separate collision from comprehensive
Collision generally addresses covered crashes involving the insured vehicle. Comprehensive generally addresses covered non-collision events such as theft, hail or an animal strike. Ask about the deductible and settlement terms for each, as well as lender or lease requirements.
Make optional protection explicit
Rental reimbursement, roadside help, gap protection and custom-equipment coverage have distinct conditions. The informal phrase full coverage does not identify a standardized policy. Ask for the actual selections and compare the same package across insurers.
PREPARE YOUR CONVERSATION
What to have ready
- Same liability and UM/UIM limits
- PIP or medical-benefit elections
- Collision and comprehensive deductibles
- Selected optional benefits and exclusions
Common questions
6 answersWhat does bodily injury liability cover?
It generally pays covered injuries to others when you are legally responsible, up to your policy limits.
What does property damage liability cover?
It generally pays for covered damage you cause to another person’s vehicle or property, subject to policy terms and limits.
What does collision insurance cover?
Collision coverage generally helps repair or replace your insured vehicle after a covered collision, minus your deductible.
What does comprehensive insurance cover?
Comprehensive coverage generally addresses covered non-collision events such as theft, hail, fire, vandalism, or falling objects.
What is uninsured motorist coverage?
Uninsured motorist coverage can help with covered losses caused by an at-fault driver who has no applicable liability insurance, as defined by your policy and state law.
What is underinsured motorist coverage?
Underinsured motorist coverage may help when an at-fault driver’s available liability coverage is insufficient for covered losses.
Information is educational and does not amend or replace an insurance contract. Products, eligibility, limits and pricing vary by insurer, location and individual circumstances. Policy terms, exclusions and applicable rules control. A quote request does not bind coverage.