What does auto insurance usually not cover?

Auto insurance won’t cover intentional damage, such as if a driver crashes their car on purpose to try and get a car insurance payout. It also doesn’t cover mechanical breakdowns, the personal property in your car, or pet injuries. Auto insurance also won’t cover repair costs beyond your limit. So if you have a $20,000 limit and $2,500 worth of damages, insurance won’t cover the last $5,000.

How much auto insurance should I get?

You will have to get the insurance coverage required by your state. If you have a lease or loan on your car, then you will also need comprehensive and collision coverage. If you aren’t required to get collision and comprehensive insurance, we still recommend adding these coverages so that your car’s repairs are auto insurance covered after an accident you cause.

What do numbers like 25k/50k/25k mean?

If you see these numbers on your car insurance policy, they refer to the limits that your insurance company will cover. In order, the numbers mean insurance will cover up to $25,000 bodily injury liability per person, up to $50,000 bodily injury liability per accident, and $25,000 property damage liability per accident.

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