Plain Language Insurance Policies: What Drivers Should Know
You may see the phrase “plain language” on an insurance document and assume it means the policy is simpler, friendlier, or even more generous. That is a common misunderstanding. In …
Insurance Basics
Clear and simple explanations about the fundamentals of car insurance in the United States, helping drivers understand how insurance works before making decisions.
How to Read a Car Insurance Policy: Sections Made Simple
A car insurance policy can feel overwhelming. You may receive a declarations page, a long policy booklet, and extra pages called endorsements. Then you wonder: What am I actually covered …
Bodily Injury Liability Coverage: What It Covers
Bodily injury liability coverage helps pay for injuries to other people if you cause a car accident. It is one of the most important parts of auto insurance because medical …
What Is a Declarations Page (Dec Page) in Car Insurance?
Car insurance declarations page is the document that summarizes what your policy includes coverages, limits, deductibles, vehicles, and policy dates. Many people only see a bill, a proof-of-insurance card, or …
Driving Without Insurance: 10 Things That Can Happen
Driving without insurance can feel like a small risk until something goes wrong. Some people let a policy lapse by mistake. Others think they can “just be careful” for a …
Liability vs Full Coverage: 9 Key Differences (Simple)
Liability vs full coverage is a common question because these terms are used in very different ways. One driver may say they “only have liability,” while another says they have …
Full Coverage Car Insurance: What It Really Means
Full coverage car insurance is a phrase many drivers use to mean “I’m protected.” But after a crash, theft, or storm damage, people are often surprised to learn that “full …
Is Car Insurance Required by Law in the U.S.?
Is car insurance required is one of the most common questions drivers ask in the United States. The answer sounds simple, but it depends on your state and your situation. …
What Is Car Insurance and How Does It Work?
Introduction What is car insurance is a question many drivers ask, even if they have had a policy for years. In the United States, insurance is often required to drive …