Personal Insurance
Auto Insurance
Coverage options for the vehicles and drivers in your household.
Coverage overview
Auto insurance generally combines liability protection with optional coverages such as collision, comprehensive, medical payments or personal injury protection, and uninsured/underinsured motorist protection.
The coverages, limits, and options that are available — and which are required — vary by carrier and state. A licensed professional can help you understand how each part of a policy generally works.
Who may need this coverage
- Anyone who owns or regularly drives a vehicle
- Households with more than one driver or vehicle
- Drivers financing or leasing a vehicle, who may have lender coverage requirements
- Drivers who want liability limits above a state minimum
Common coverage considerations
- Bodily injury and property damage liability limits
- Collision and comprehensive coverage and their deductibles
- Uninsured and underinsured motorist protection
- Medical payments or personal injury protection where available
- Optional add-ons such as rental reimbursement and roadside assistance
What may not be covered
- Intentional damage or vehicle use excluded by the policy
- Everyday wear, mechanical breakdown, and maintenance
- Business or commercial use that requires a commercial auto policy
- Personal belongings stolen from the vehicle (often a renters or homeowners matter)
Factors that may affect price or eligibility
- The vehicles insured and how they're used
- Driving history and the drivers on the policy
- Coverage selections, limits, and deductibles
- Garaging location and annual mileage
Information commonly needed for a quote
- Year, make, model, and VIN for each vehicle
- Driver's license details for each driver in the household
- Approximate annual mileage and primary use
- Any current policy, its limits, and renewal date
A practical example
A commuter is rear-ended on the way to work. Depending on the coverages selected and the circumstances, collision coverage may help with repairs to their own vehicle (subject to the deductible), while the at-fault driver's liability coverage may respond to their injuries. A licensed professional can explain how each coverage generally applies.
Questions to ask a licensed professional
- What liability limits make sense for my situation?
- Should I carry collision and comprehensive on each vehicle?
- How would raising or lowering my deductible change the premium?
- Do I have adequate uninsured/underinsured motorist protection?
Frequently asked questions
This page is a general educational summary and does not change, replace, or create insurance coverage. Coverage terms, conditions, limits, exclusions, eligibility, and availability vary by policy, carrier, state, and underwriting requirements. Coverage is not effective unless confirmed in writing by an authorized insurance carrier or properly licensed insurance professional.
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