Car Insurance Fundamentals

Learn the fundamentals of car insurance including the difference between liability, collision, and comprehensive coverages, personal injury protection (PIP), medical coverage, and more

gap auto insurance coverage

What Is Gap Insurance? How Does Gap Insurance Work?

Gap insurance is optional coverage that can help pay off your auto loan if your vehicle is totaled or stolen.

Man looks at papers in car

Do You Need Insurance to Register a Car?

Depending on what state you live in, you’ll likely need auto insurance to register your car.

Car Insurance and Hail Damage Coverage

Can you file a car insurance claim for hail damage? That depends on what coverage you have and if it’s worth your while.

Bare Minimum Car Insurance Coverage Requirements by State

Many states require a minimum amount of liability coverage. What’s your state’s limit, and is it enough for you?

Car being broken into

Does Car Insurance Cover A Stolen Vehicle?

Basic auto insurance doesn’t cover car theft. Do you have the right auto insurance coverage if your car gets stolen?

Is Your Child Covered Under Your Auto Insurance?

If your child drives, they need auto insurance. Does your policy cover them, and is that even the best option?

Woman in car pulled over

What Happens if You’re in a Car Accident with No Insurance?

Getting into a car crash without auto insurance can lead to financial and legal problems. This article breaks down the consequences.

How Much Car Insurance Do I Need?

Most people who own and drive a vehicle need at least some car insurance. Here’s when you need it and how much you need.

Man searching through documents

What is a Car Insurance Declaration Page?

The declaration page tells you everything you need to know about an insurance policy.

Do I Have to Have Car Insurance?

Most states and lenders require car insurance. Here’s what you need to know about when you have to have car insurance and why.

What Does Car Insurance Cover?

Auto insurance coverage depends on your specific policy, and can help you recover physically and financially after an accident.

Couple discusses taxes

Is Auto Insurance Tax Deductible?

When you’re filing taxes, it’s natural to try to deduct as many expenses as possible. Does car insurance qualify?

What is No-Fault Insurance and How Does it Work?

In no-fault states, drivers are compensated by their own insurance companies for injuries after accidents, no matter who caused the crash.

How Much Liability Car Insurance Do I Need?

Purchase as much liability coverage as you can afford to cover your assets. Consider an umbrella policy for excess coverage.

Cars parked in front of garage

Stacked vs. Unstacked Car Insurance

What is stacked insurance? What is unstacked insurance? Here are the answers – plus how they differ and which is better.

Police officer roadside breathalyzer test

What is an SR-22 Insurance Policy?

What is an SR-22? Who needs it? Where do you get it? How much does it cost? Learn all you need to know about SR-22 insurance here.

insurance agent pointing at policy limits

Car Insurance Limits

Car insurance coverage limits aren’t a fun topic to read about. But you need to understand them if you want to know whether you’re properly insured.

buying car insurance for first time

Best Car Insurance for First-Time Buyers

Find out how to save money and get the right policy when you buy your own car insurance for the first time.

Father helping teen driver

Adding a Driver to Your Car Insurance

Here’s all you should know about adding a driver to your insurance policy – how you add them, how much it costs, and more.

Car owner observing damage

Does Car Insurance Cover Vandalism if Someone Keyed My Car?

Find out what to do if someone keys, scratches or vandalizes your car and if it will raise your auto insurance rates.

totaled car on side of road

How Does Auto Accident Forgiveness Work?

Accident forgiveness helps keep your rates low after a car accident. Learn here if you qualify and if it's worth it.

Keys and card on paperwork

Short-Term or Temporary Car Insurance

Can you buy temporary car insurance? Usually not, but you can cancel standard policies early. Here's all you need to know.

upset man after car crash

What to Do If You're Denied Car Insurance

Almost all states require you have car insurance before you hit the road. Here are some common reasons why you might be denied coverage.

personal injuries protection claim paper

What Does Personal Injury Protection (PIP) Cover?

If you're injured in a car accident, PIP can help take care of immediate medical expenses and other costs that arise.

Accident with woman on the phone

How Long After a Car Accident Can You File an Insurance Claim?

Your insurance company might say you need to file a claim within 24 hours of a car accident, but you have more time than that.

Permit driver with parent

Can You Get Car Insurance With a Permit?

You can get insurance with a learner’s permit. But you may not need your own policy if you live with someone who’s insured.

collector cars

Antique, Collector and Classic Car Insurance

If you have a vintage car, protect it with specialized auto insurance coverage. Here’s why, plus where you can get it.

Happy driver in new car

Same Day Car Insurance

Need car insurance ASAP? Like, today? You can get same-day coverage from most insurance companies by following this advice.

driver with non-owner car insurance

No Car, But Still Drive? Get Non-Owner Car Insurance

What is non-owner car insurance? Where do you buy it? How much does it cost? Here are answers to those and other questions.

Health insurance form pen and money

What is Medical Payments Car Insurance Coverage?

MedPay covers some of your medical bills and funeral costs if you’re in a car accident, even if you have health insurance.

Smashed car headlight

What Is a Car Insurance Deductible?

Your deductible is how much you pay out of pocket before your car insurance will cover your car’s damages. Find out how deductibles work and how to choose yours.

Woman handing check

What Is a Loss Payee?

If you take out a loan to buy a home or car, you’ve got to list the lender as a loss payee on your insurance policy. Here’s how you do that plus some other important info on loss payees.

Ambulance rushing on highway

Does Insurance Cover Ambulance Rides?

Ambulance rides are expensive. Insurance often covers them, but not always—and not always fully.

Can You Get Insurance Without a License?

You can buy car insurance with no driver’s license, but it's not so simple. Here's how to get unlicensed insurance.

Toy car cupped between hands

How to Cancel a Car Insurance Policy

Are you thinking of canceling your car insurance policy? Here’s how to do it, how much it costs, and when to avoid it.

Man handling documents

What is an Insurance Underwriter?

Insurance underwriters decide how much you pay for coverage, how much coverage you get for that price, and more.

Nashville skyline

SR-22 Insurance in Tennessee

You may need SR-22 insurance in Tennessee after your driver’s license is suspended. Here’s where you can get it, how much it’ll cost you, and more.

Broken car on the side of the road

What is Mechanical Breakdown Insurance (MBI)?

Find out how much Mechanical Breakdown Insurance costs, if you need it and how it differs from extended car warranties.

car accident and tow truck

Borrowed car in accident. Whose insurance pays?

What happens if someone borrows your car and gets into an accident? Find out if you're covered by your auto insurance when you loan your car to a friend or family member.

umbrella and car

The 10 Largest Car Insurance Companies

Find out which car insurance companies are the largest in the market (and why it matters).

car key and beer

SR-22 Insurance in Ohio

You may need SR-22 insurance in Ohio if the state suspends your license. Here’s what it costs and where you can get it.

Contract with magnifying glass

What Is an Insurance Binder

An insurance binder offers temporary proof of insurance. Find out more about insurance binders in this article.

Upset man next to damaged car

What Happens if You’re Caught Driving Without Insurance?

If you’re caught driving without car insurance, expect legal punishment. Most states penalize you in one or more ways.

car on scale

What to Do If Your Car Insurance Is Canceled for Nonpayment

Your car insurance company can cancel your policy if you miss a payment. Find out what to do in case of a cancellation.

Photo of car accident

What is Collision Car Insurance?

Learn about collision auto insurance coverage, which protects you if your car is damaged in a collision.

Panel holding up score numbers

What are Car Insurance Scores?

If you want to get the best car insurance rate, you need a good car insurance score. Here’s what that means and how you can raise your score.

Rep handing rental car keys

Rental Car Insurance Coverage

Avoid paying for unnecessary rental car insurance while also making sure you’re covered. Find out what car insurance coverage you need to stay protected and avoid what you don’t.

claims file

What Are Diminished Value Claims?

A car’s resale value drops after it’s damaged in an accident. Filing a diminished value claim can make up for that loss.

Person points at car and insurance

Negotiating the Value of Your Car with an Insurance Company After an Accident

Don’t like the settlement you get after a car accident? Here's how to negotiate a better payout with your insurance company.

car, clipboard, magnifying glass

Low-Income Auto Insurance

If you’re on a low income and can’t afford car insurance, state programs, common discounts and less coverage might help.

umbrella insurance policy

What's an Umbrella Insurance Policy? Do I need One?

You may need more liability coverage than a typical insurance policy provides. Umbrella policies increase your liability.

odometer

What is Pay-Per-Mile Car Insurance?

Do you only drive your car occasionally? Learn how pay-per-mile car insurance may help you save on auto insurance.

car with auto badge

Why is Collateral Protection Insurance Forced After a Car Loan?

What is CPI and how does it work? This article covers lender-placed and forced auto insurance.

Driver with rideshare insurance coverage

Rideshare Insurance for Lyft and Uber Drivers

Here’s what you need to know to make sure you have the required rideshare insurance when driving for Uber or Lyft.

Driver in car

Getting Cheap Car Insurance with No Deposit

Find out how to get cheap car insurance with no deposit, and whether it’s possible to get free insurance.

bad credit

How Can I Get the Best Cheap Car Insurance With Bad Credit?

Shopping around for quotes with non-standard insurers and usage-based insurance can save bad credit drivers hundreds.

person with empty pocket

What If I Can't Afford Car Insurance?

Can’t afford auto insurance? Here’s how to lower your premiums and also keep the coverage your state requires.

Houston skyline

What is the Texas Automobile Insurance Plan Association (TAIPA)?

High-risk drivers in Texas can use the Texas Automobile Insurance Plan Association (TAIPA) to get state minimum insurance coverage.

Man signing car insurance policy

10 Common Car Insurance Terms

If you want to pay the lowest rates and have the right amount and types of auto insurance coverage, you need to know these commonly used words.

car accident

How Much Does Car Insurance Go Up After an Accident?

Car accidents can almost double your premiums. Shop around to minimize your insurance going up and even save hundreds.

Woman handing rental car keys

Reimbursement for a Rental Car Through an Insurance Claim

Depending on who was at fault, there are several possibilities for who pays for a rental car after an accident.

Hurt driver showing discomfort

What is Bodily Injury Liability Car Insurance Coverage?

Learn about Bodily Injury auto insurance, including what a BI claim covers and what your policy limits should be.

Third party insurance documents

What is Third-Party Car Insurance?

Learn about what third-party liability insurance covers, like bodily injury and property damage.

cars in highway traffic with uninsured drivers

Uninsured and Underinsured Motorist Coverage

Uninsured and underinsured motorist coverage protects you if another driver hits you and doesn't have enough or any insurance.

Windshield crack

What is Comprehensive Car Insurance?

Comprehensive auto insurance coverage protects you if your car is damaged by something other than a collision.

Car driving away from accident

Are Hit and Runs Covered by Car Insurance?

Hit and runs are covered by parts of auto insurance policies including collision and UIM coverage, PIP and MedPay.

Family moving to new state

Car Insurance and Moving to a New State

You may have to get a new car insurance policy after you move to another state. You have a set amount of time to do it.

Saleswoman handing out keys

Buying a Car Without Insurance

You can buy a car without insurance, but you may not be able to drive it home. Here’s how to buy a car with no insurance.

Two cars in accident

What is Full Coverage Car Insurance?

Learn what full coverage car insurance is, how much it costs, and whether you need to purchase it.

Man points to insurance information

Car Insurance Policy Number

A car insurance policy number ties your coverage to an insurer. Here’s what it means, what it’s used for, and how to find it.

Annapolis, Maryland

What is MAIF Insurance?

The Maryland Auto Insurance Fund aims to provide high-risk drivers with auto insurance. Find out more about MAIF in this article.

Cars waiting at border

Car Insurance for Driving in Mexico

What you need to know about car insurance to drive in Mexico. Read about the laws and costs for Mexican car insurance.

Man with arm injury

Personal Injury Protection (PIP) in New Jersey

Personal Injury Protection (PIP) is mandatory according to New Jersey law. Find out more about “no-fault insurance” in this article.

subrogation for car accident claims

What is Subrogation for Car Insurance Accident Claims?

If you’ve been in a car accident, you may know all about subrogation. If you haven’t, here’s what you need to know about the subrogation process.

photo of Rocky Mountains in Alberta  Canada

Does My Car Insurance Cover Me in Canada and Mexico?

Depending on where you live, Canada or Mexico could be closer than neighboring states. This proximity makes them ideal locations for a road trip, but do you need more car insurance before hitting the road?

sports car under palm tree

Car Insurance for Snowbirds

Whether migrating to a Florida beach or the Arizona desert, snowbirds need to comply with insurance laws in the state where they’re spending the winter.

car accident and tow truck

Why Minimum Liability Car Insurance is Not Enough

Your state's legal liability car insurance minimums aren't likely to offer you, your loved ones, or the other drivers on the road much protection.