Every term on your policy — in plain English.

What your vehicle is worth today — replacement cost minus depreciation.

A formal request to your insurer for payment on a covered loss.

Pays to repair your vehicle after a collision with another car or object.

Pays for non-collision damage — theft, hail, fire, vandalism, falling objects.

The maximum your insurer will pay for a covered claim.

The amount you pay out of pocket on a claim before insurance pays the rest.

An add-on that modifies your standard policy — adding, removing, or changing coverage.

Informal term for liability + collision + comprehensive together.

Pays the difference between what you owe on your car loan and what your car is worth if totaled.

Pays for damage and injuries you cause to others in an at-fault accident.

Pays medical bills and lost wages for you and your passengers regardless of fault.

The amount you pay your insurance company for coverage, usually monthly or every 6 months.

A certificate your state requires proving you carry minimum liability coverage — usually after a serious violation.

Technology that tracks your driving behavior to potentially lower (or raise) your premium.

Pays for your injuries and damages when the at-fault driver has no insurance.