Insurance terms,
minus the confusion.
Understanding what a policy does—and doesn't—cover can make all the difference when you shop.
Four coverages to
know by name.
Real coverage depends on policy terms, state rules and your limits. These general explanations will help you start the conversation.
Read the full coverage guide →Protecting against responsibility to others
Liability coverage generally pays for covered bodily injury or property damage you are legally responsible for causing, up to policy limits. It generally won't repair your own car.
For covered crashes involving your car
Collision insurance can help repair or replace your vehicle after a covered collision, subject to your deductible and applicable policy terms.
For certain non-collision losses
Comprehensive insurance commonly addresses covered events such as theft, hail, vandalism and falling objects; deductibles and exclusions apply.
When another driver has insufficient protection
This type of coverage may help with certain injuries or losses after a crash involving an uninsured or underinsured driver. State rules and policy options vary.
Don't forget your deductible.
The amount you may pay after a claim can matter just as much as your monthly premium.