Coverage, explained simply
Every policy is built from a few core parts. Here's what each one does so you can pick the cover that's right for you.
Liability
Pays for injuries and damage you cause to others. It's the legal minimum in most places — your baseline of protection.
Collision
Covers repairs to your own car after an accident, whoever's at fault — from a fender bender to a major crash.
Comprehensive
Handles the things that aren't crashes: theft, fire, hail, vandalism and that unlucky run-in with wildlife.
Medical & injury
Helps with medical bills for you and your passengers after an accident, no matter who caused it.
Uninsured driver
Protects you when the other driver has no insurance — or not enough to cover the damage.
Roadside & extras
Add-ons like towing, a rental car while yours is in the shop, and 24/7 roadside help.
How much coverage do I need?
It depends on your car, your budget and how much risk you're comfortable carrying. A newer car usually deserves collision and comprehensive; an older runabout might only need liability. If you'd struggle to replace your car out of pocket, more cover is worth it.
What's a deductible?
It's the amount you pay yourself before insurance kicks in. A higher deductible lowers your monthly premium but means more out of pocket at claim time — and vice versa. Pick a number you could comfortably cover in an emergency.
Not sure which mix is right?
Answer a few quick questions and we'll suggest a sensible starting point. See how it works first if you like.
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