Coverage explained
A car insurance policy is a bundle of separate coverages, each with its own limit and its own price. These articles explain what each part pays for, how the minimum a state requires differs from fuller coverage, and whether a policy follows the car or the driver. Each state sets its own required coverage, so the state pages and the state insurance department have the rules where you live.
- Does Car Insurance Follow the Car or the Driver?
Car insurance usually follows the car first and the driver second. How primary and excess coverage, permission and listed or excluded drivers fit together.
- Minimum Coverage Versus Full Coverage: Why the Price Gap Moves
What minimum and "full coverage" car insurance mean, why full coverage is not a legal term, and why the price gap between the two has widened in recent years.
- Uninsured Motorist Coverage Explained: UM, UIM and What States Require
What uninsured and underinsured motorist coverage pays for, how bodily injury and property damage parts differ, and which states require it or must offer it.
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