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Auto insurance, in plain language
Coverage for your car — liability, collision, comprehensive and more.
What it typically covers
- Injury & property damage you cause to others (liability)
- Repairs to your own car after a crash (collision)
- Theft, fire, hail and vandalism (comprehensive)
- Costs from drivers with no or too little insurance
Watch out: Liability alone never repairs your own vehicle — that needs collision and comprehensive.
Key terms
DeductibleWhat you pay on a claim before coverage kicks in.
PremiumThe recurring amount you pay to keep the policy active.
ComprehensiveNon-collision losses: theft, weather, fire, falling objects.
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