Personal auto insurance
Auto insurance decisions extend far beyond comprehensive and collision.
The largest exposure is often the liability created by the people and vehicles in the household.
Bodily injury and property damage liability
Liability limits protect against covered allegations that an insured driver injured someone or damaged property. State minimum limits can be exhausted quickly in a serious accident; umbrella eligibility often requires substantially higher underlying limits.
Collision and comprehensive
Collision generally addresses impact or overturn. Other-than-collision coverage commonly addresses theft, hail, wind, fire, glass, animal contact and similar causes, subject to deductibles and exclusions. Settlement may be actual cash value unless a specialized endorsement applies.
Uninsured and underinsured motorists
UM/UIM can protect insured people when an at-fault driver has no insurance or insufficient limits. Bodily injury, property damage, deductibles, stacking and rejection rules differ by state.
Rental reimbursement and transportation expense
This coverage is usually triggered by a covered loss, not a mechanical breakdown or routine maintenance. Daily and maximum limits should be compared with current rental costs.
Drivers, vehicles and use
List household residents and regular operators accurately. Delivery, rideshare, business use, young drivers, students away from home, company cars, classic vehicles and vehicles furnished for regular use can change coverage.
Complete household protection