Coverage basics

Know what you're paying for

A quick guide to the most common parts of an auto policy.

Liability

Pays for injuries or damage you cause to others. Most states require a minimum amount.

Helps repair your own car after a crash, no matter who caused it.

Covers theft, fire, hail, flooding and other damage not caused by a crash.

Protects you if the other driver has too little or no insurance.

Helps with medical bills for you and passengers. Required in some states, including Florida.

Not a policy itself — a form your insurer files to prove you carry the required coverage.

Required coverage differs by state. This guide is general information, not advice for your situation — call us to talk specifics.