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When a financed car is totaled, the insurer pays what the car was worth — not what you owe. Gap coverage exists for the difference, and where you buy it changes the price several times over.
About one in seven US drivers carries no insurance at all. Uninsured motorist coverage is the part of your own policy that answers for them — and in most states it can be waived with a signature.
The coverages that make up a car policy, what each one pays for after a crash, and how insurers price the risk — the background to have before you compare providers.
Those three numbers on an auto policy set the ceiling on what an insurer pays after an at-fault crash. How to read them, and what happens once a claim goes above the limit.
No insurer sells a product called full coverage. What drivers mean by it is collision plus comprehensive — here is what each one pays for, and what neither of them does.
Rating factors are not a mystery, but the list runs longer than most drivers expect. What insurers weigh when they price a policy, and which of those inputs you can change.
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