Auto coverage, explained before you sign.
Plain-language guides to what an auto policy actually covers, what the numbers on a quote mean, and which choices change what you pay.
Start here
Three things worth understanding first.
What the limits mean
A policy written as 50/100/50 is three separate promises, each capped at a different number. Knowing which cap applies to which kind of claim is the difference between adequate cover and a gap you find out about later.
Where the deductible bites
Raising a deductible lowers the premium because you are agreeing to pay more of a claim yourself. The trade is only sensible if the higher figure is one you could actually cover on short notice.
What is not included
Roadside assistance, rental cover while a car is repaired, and cover for a driver not named on the policy are usually add-ons rather than defaults. Assumptions here are a common source of denied claims.
The basics
Terms that decide what you pay.
- Liability
- Covers harm you cause to other people and their property. It does not pay to repair your own car. In most places this is the part that is legally required.
- Collision
- Pays toward repairing your own vehicle after an impact, regardless of who was at fault, once your deductible is met.
- Comprehensive
- Covers damage that did not come from a collision — theft, hail, fire, a tree coming down, a stone through the windscreen.
- Uninsured motorist
- Steps in when the driver responsible has no cover, or not enough of it. Easy to skip on a quote and awkward to be without.
Everything here is written to be read once and understood. If something on the site is unclear or looks wrong, tell us and we will fix it.
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