Liability Coverage
Liability coverage is usually the foundation of an auto policy. It may help address injuries or property damage you cause to others, subject to policy terms and limits.
Coverage Guides
Auto coverage topics explained in plain language.
Use these guides as a starting point to understand common coverage categories and policy decisions.
Collision Coverage
Collision coverage generally relates to damage to your own vehicle after a covered crash, regardless of who was at fault, after any applicable deductible.
Comprehensive Coverage
Comprehensive coverage is commonly associated with non-collision damage such as theft, vandalism, hail, falling objects, fire, or certain animal impacts.
Deductibles
A deductible is the amount you may be responsible for before certain coverage applies. Higher or lower deductibles can affect both claim costs and premiums.
Uninsured Motorist
This coverage may help when another driver has no insurance or not enough coverage, depending on state rules and policy terms.
Claims Basics
After an accident, drivers often need to document the event, exchange information, contact the insurer, and track repair or claim status.
Rate Factors
Premiums can be influenced by location, vehicle type, driving history, selected coverages, limits, deductibles, usage, and other rating factors.
Policy Review
Reviewing coverage periodically can help drivers identify outdated limits, missing drivers, vehicle changes, or coverage choices that no longer fit.