Insurance is a maze.
Here's your map.

4,218 likes

coverage.decoded Liability Coverage. Pays others when you're at fault. Required in most states.

Covers bodily injury and property damage to other people when an accident is your fault. The foundation of nearly every auto policy. Most states require it by law, but the legal minimum rarely matches real-world risk.

3,907 likes

coverage.decoded Collision Coverage. Repairs your car after a crash. Optional, but often required by lenders.

Pays to repair or replace your own vehicle after a collision with another car or object. Typically required by lenders if you're financing or leasing. Pair it with the right deductible to balance cost and risk.

2,541 likes

coverage.decoded Comprehensive. Theft, hail, fire, vandalism. The non-crash catch-all.

Covers damage from theft, hail, fire, vandalism, falling objects, and animal strikes. Anything outside a collision. Usually cheap relative to what it covers.

1,983 likes

coverage.decoded Deductibles. What you pay before coverage kicks in.

The out-of-pocket amount you pay before insurance picks up the rest. Higher deductibles lower your monthly premium but raise upfront risk. Match it to what you can comfortably absorb.

2,876 likes

coverage.decoded State Minimums. Legal floor. Rarely enough.

Every state sets its own minimum coverage limits. Meeting them is legal, but rarely enough to actually protect your assets in a serious accident. Know the gap.

3,412 likes

coverage.decoded Uninsured Motorist. Coverage when they don't have any. 1 in 8 drivers.

Pays your bills if you're hit by an uninsured or hit-and-run driver. About one in eight U.S. drivers carry no insurance, so this is more common than people think.

2,104 likes

coverage.decoded Gap Insurance. Covers what you owe vs. what it's worth.

If your car is totaled and you owe more than its current value, gap insurance pays the difference. Critical for new and financed vehicles that depreciate fast.

5,021 likes

coverage.decoded Filing a Claim. Document. File fast. Follow up.

Document the scene, file promptly, follow up in writing. A clear, calm process gets you paid fairly without surprises.