Nadler Insurance
Insurance EducationVideo

Coverage Explanation: Auto Insurance

By Zach Nadler·

Show Notes

Quick summary

Auto insurance is a bundle of different coverages that work together to protect you, your passengers, and your vehicle. This episode breaks down what the most common coverages do in plain English.

The core coverages (plain-English)

  • Liability (Bodily Injury / Property Damage): helps when you cause injury to others or damage their property.
  • Collision: helps repair or replace your vehicle after a collision, regardless of fault (subject to deductible).
  • Comprehensive: helps with non-collision losses like theft, vandalism, falling objects, or weather (subject to deductible).
  • Medical Payments (MedPay) / PIP (where applicable): helps with medical bills for you and passengers.
  • Uninsured / Underinsured Motorist (UM/UIM): helps protect you if the at-fault driver has no insurance or not enough.

    • Deductibles: what to know

  • Your deductible is the amount you pay before the insurance company pays on a covered claim.
  • Collision and comprehensive usually have separate deductibles.

    • Choosing limits: a simple way to think about it

  • Choose liability limits that protect your assets and future income.
  • Make sure your UM/UIM limits align with your liability limits when possible.

    • Common mistakes

  • Focusing only on price instead of protection
  • Carrying minimum limits that may not match real-world claim costs
  • Forgetting to review coverage after life changes (new drivers, new commute, new vehicle)

    • Video

  • Watch here: https://youtu.be/PTJZLDXFebE?si=LBdgeXVAcFH4Isj-

    • Notes