How do I understand my car insurance coverage?

I have a car insurance policy, but I have no idea what my coverage is. How do I understand what coverage I have?

Answer
Car insurance policies have two main parts. One is coverage for damage you do to other motorists and their vehicles and the other is damage done to you and your vehicle.
The minimum required coverage in every state is typically liability coverage.
Liability coverage is what covers other people and their vehicles when you’re at fault in an accident. This number would be represented by a split amount, per person and per accident. For example, if you have limits of 25/50, you have $25,000 in coverage per injured person and $50,000 of coverage total in an accident.
If you have full coverage or comprehensive coverage and collision coverage, your vehicle is protected from damage, regardless of fault. Your insurance covers any damage after your deductible. You would see your deductible amount listed next to these coverages.
A great way to see what coverage is on your car insurance policy is to look at your policy declaration page. This page lists all of your coverages in one place.
If you’re confused about anything on your policy, call your insurance provider. An agent will be happy to walk you through your coverages and make any necessary changes.
If you’d like to switch insurance and have a question about your coverage, try Jerry. Jerry’s friendly agents are here to answer your questions and provide advice on the best coverage options. As your life changes, your insurance changes, and Jerry is ready to make those adjustments for you.
Emily Maracle
Answered on Oct 19, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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