01
Who could be affected?
Liability insurance generally addresses covered injury or damage caused to others, up to stated limits.
LIFE STAGES AND DRIVING TRANSITIONS · INDEPENDENT EDUCATION
Coverage Compass
Use a few simple questions to orient yourself among coverage categories.
Plan Your RouteCoverage Compass
Explore the important distinctions.
Use a few simple questions to orient yourself among coverage categories. Every section below describes a different consideration worth reviewing in your own policy.
02
What could happen to my car?
Collision and comprehensive address different types of physical damage, subject to deductibles and exclusions.
03
What about injuries?
PIP, medical payments and uninsured motorist protections depend on state-specific rules.
04
What if I cannot drive?
Rental reimbursement and roadside programs may help with certain disruptions, but their terms are limited.
Find your bearings in coverage
Start with the policy declarations and identify liability limits, physical damage options, deductibles, and any additional endorsements. The full policy explains when each provision applies and what it excludes.
Consider a realistic scenario: an at-fault crash, theft, weather damage, or damage caused by an uninsured driver. Ask which coverage might respond and what costs could remain your responsibility. Examples are educational, not coverage determinations.