Coverage basics
How an auto policy is put together
A general map of the main parts of a typical personal auto policy, so the documents you already have make more sense.
- 1
Liability pays others
Liability coverages are about your responsibility to other people. They are usually the part of the policy required by state law and are shown as split limits.
- 2
Physical damage protects your vehicle
Collision and comprehensive apply to your own vehicle. Each typically has its own deductible, and either may be optional depending on your situation and any loan or lease.
- 3
Medical and injury coverages vary by state
Medical payments and personal injury protection rules depend heavily on where you live. Your policy describes which apply and how.
- 4
Add-ons are listed separately
Rental reimbursement, roadside assistance, and similar options usually appear as their own line items or endorsements.
Unsure about a word? Visit the coverage glossary.