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The Anatomy of a Policy

The better you understand how the policies work, the more informed you will be as a consumer when shopping for an auto insurance quote. Here are the basics of an average auto policy.

  1. Bodily injury liability. This protects you from injuries you cause another driver in the event of an accident. Most states require certain levels of this shelter, so make sure you know your states requirements before applying for a quote.
  2. Property damage liability. This will shelter you in the event that your car damages another's property in a covered accident. It will also go towards your legal defense in the event that another party in the accident files a lawsuit against you. Keep in mind when getting price estimates that most states require certain levels of this coverage to drive legally.
  3. Collision. This pays to repair or replace your vehicle in the event it is damaged in a covered accident. If your car has little to no cash value, you might consider getting a quote without this, as the provider will only reimburse you for up to the cash value of the vehicle.
  4. Medical payments. This will pay for the medical expenses of you and your passengers in the event of an accident. If you have a good health policy, you might consider getting a quote without this.
  5. Rental reimbursement. If your car is disabled for any reason, rental reimbursement will pay for the cost of a rental, up to a certain amount per day. This is an important add-on if your car ever needs to be replaced or repaired after a collision.
  6. Uninsured/underinsured motorist. Given the increasing number of under and uninsured drivers on the road these days, this is especially critical. This will pay for your medical expenses for injuries caused by an under or uninsured driver. In some states, you can also receive a quote on uninsured motorist that looks after property damage as well.
  7. Comprehensive. This basically offers protection against any damage that occurs to your vehicle not resulting from a collision. This usually includes weather-related damage, theft, vandalism, etc. If you have any inquiries, please visit our frequently asked questions page.
The better you understand how auto insurance works, the more informed you will be as a consumer when shopping for an auto insurance policy.