Install
What Coverage Includes guides
Collision coverage explainedWhat collision coverage pays for, how the deductible and actual cash value limit your payout, and how to decide whether to keep it on an older car.Comprehensive coverage explainedWhat comprehensive pays for (theft, hail, flood, fire, vandalism, animals, glass), how the deductible and payout work, and when it is worth keeping.Does car insurance follow the car or the driver?In most cases the car owner's insurance pays first and the driver's own policy is backup. How that works for borrowed cars, rentals, car sharing and injuries.How to read your car insurance declarations pageA line-by-line guide to the declarations page: drivers, vehicles, coverages, limits, deductibles, premiums and endorsements, plus the errors to catch.Insurance requirements for a financed carWhy lenders require collision and comprehensive, how the lienholder is listed, what force-placed insurance costs, and what changes after payoff.Medical payments coverage (MedPay) explainedMedPay pays medical and funeral bills for you and your passengers after a crash, regardless of fault. How it differs from PIP and health insurance.Personal injury protection (PIP) explainedPIP pays your medical bills and lost income after a crash no matter who caused it. Which states require it, how much they require and how claims work.Stacked vs unstacked uninsured motorist coverageStacking lets you add uninsured motorist limits across your cars or policies. How it works, where it's allowed, what it costs, and how to decide.Uninsured and underinsured motorist coverage explainedHow UM and UIM coverage pay when the driver who hits you has no insurance or too little, which states require it, and how much to buy.What car insurance does not coverThe common gaps in a personal auto policy, from breakdowns and stolen belongings to delivery driving and Mexico trips, and how to close each one.What full coverage car insurance actually meansFull coverage is not an official policy type. Here is what the term usually includes, what it still leaves out, and when dropping it makes sense.Who is covered on your car insurance policyWho your auto policy protects: named insureds, spouses, household family members, listed and excluded drivers, and friends who borrow your car.