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Car Insurance Jargon

Deductible- The deductible is the amount you pay out of your own pocket before insurance coverage kicks in. For example, before your insurance covers an accident you caused, you have to pay $500 up front.

Policy limit- This is the maximum amount that your insurance provider will pay. You will be financially responsible for any bodily injury or property damage above this limit, so lower or raise the limit to suit your needs.

Liability- Liability insurance is required in every state for drivers. The liability limit differs by state. Liability is insurance that pays for damage done when you are at fault in an accident.

Full coverage- Full coverage is a name for a combination of insurance policies. A “full coverage” plan will consist of liability insurance, comprehensive car insurance, and collision coverage.

Comprehensive-Comprehensive protects you from the financial losses of incidents that wouldn’t typically be your fault. Things like auto break-ins, bad weather, animal-involved accidents etc.

Collision Coverage-Collision insurance is a separate product that reimburses you for your losses even when you are at fault. Collision plans carry a separate deductible. Collision coverage cannot be purchased without comprehensive coverage, but comprehensive can be purchased without collision coverage.