Damage or injury involving others
Liability coverage may help with covered injuries or property damage you cause to other people, up to applicable limits. It is different from protection for your own vehicle.
AUTO INSURANCE
A car policy has more than one job.
Different coverages respond to different events. Ask what your quote includes, rather than assuming every policy protects the same things.
Damage to your vehicle
Collision and comprehensive address different types of loss. Check whether both are included, how the vehicle is valued and the deductible for each.
Additional protections
Ask about uninsured or underinsured motorist coverage and other protections available for your situation. Rental reimbursement and roadside assistance may be optional.
How the vehicle is used
Personal use, delivery work, rideshare activity, household drivers and where the car is kept can affect the policy you need. Explain these details before applying.
Coverage descriptions are general. Actual terms, exclusions, eligibility and limits are set out in the issuing insurer’s policy documents. A conversation does not bind coverage.
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