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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?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
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.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. View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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