FAQs

No. It is a smaller auto coverage that may help with crash-related medical costs, often quickly and regardless of fault.

It may still help, since it can cover passengers and expenses your health plan may not.

Uninsured motorist coverage often applies to hit-and-run injuries, subject to your policy terms.

Fire is typically a covered comprehensive peril, but always confirm the specifics of your policy.

Insurers must offer it, but you may reject it in writing. Many advisors suggest keeping it.

Often, yes, subject to your deductible. Some policies offer separate glass terms.

The state does not require it, but a lender or leasing company usually does.

You pay the deductible first; coverage may then help with the rest of the covered repair, up to your car’s value.

Often, yes. Minimum limits may run out quickly in a serious accident, leaving you responsible for the rest.

No. Liability typically pays for others’ injuries and property, not your own vehicle. Collision and comprehensive handle your car.