Auto policies may include liability coverage and optional protections such as collision or comprehensive, subject to the policy’s definitions, deductibles, exclusions, and limits. Requirements and available coverages vary by state and insurer.
What to understand first
Check who and what vehicles are listed, liability limits, deductibles, covered drivers, exclusions, rental options, and how claims are reported. Tell the insurer about material changes to vehicle use or household drivers.
Questions and trade-offs to consider
A policy summary cannot establish whether a particular loss is covered. State minimums may not reflect a household’s needs, and coverage availability depends on the insurer.
A practical next step
Review the declarations page and policy forms with a licensed agent. Confirm any change in writing and keep current proof of insurance accessible.
Take the next step
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