Auto Insurance Guide & Options
Deconstruct auto policies. Learn what liability limits represent and how to structure deductibles for physical damage.
Auto Insurance Basics
Auto insurance is structured to protect you against financial liability if you cause an accident, and optionally covers damage to your own vehicle. Most states require drivers to hold minimum levels of liability coverage.
The Standard Coverages
- Liability Coverage: Covers bodily injury to others and damage to their property when you are at fault. Divided into split limits.
- Collision Coverage: Pays for damage to your vehicle resulting from a collision with another car or object, regardless of fault.
- Comprehensive Coverage: Covers physical damage to your car caused by events other than collisions (e.g. fire, theft, vandalism, weather, hitting an animal).
- Uninsured/Underinsured Motorist: Protects you if you are hit by a driver who lacks adequate insurance.
There are currently no direct referral partners available for this line of coverage in your region. We recommend researching reputable local carriers or discussing with a licensed professional to compare options.