Every driver has auto insurance. But very few actually understand everything that’s included in a policy.

With all the different coverage options and legal jargon, it’s easy to get overwhelmed. Fortunately, Express Insurance is here to help. Serving Longwood, FL, their agents break down nine terms you should know about your auto insurance policy.

Claim

When a loss is covered under your insurance policy, you submit a request for payment that’s filed with an agent.

Premium

This is the amount you pay for insurance coverage. Influenced by several factors, premiums vary from person to person.

Deductible

Before your insurance pays the remainder of a claim, you will pay a portion yourself. This is called a deductible.

At fault

A designation of "at fault" results from an accident you’ve caused. It could be based on a specific action or negligence.

Collision coverage

In the event of an accident, collision coverage protects against financial loss from damage. This kicks in regardless of who’s at fault.

Comprehensive coverage

Like collisions, this is standard in most auto policies. However, comprehensive covers loss from anything other than an accident, like theft, vandalism, or natural disasters.

Liability

Liability is a legal obligation when you are found to be at fault for another person’s bodily or property damage. Any plan should include liability coverage.

Primary Use

This refers to how you typically use your car. Primary use impacts what auto insurance policy you’ll need.

Limit of coverage

The limit of coverage is the maximum amount an insurance company will pay. It’s important to know where this threshold is.

Call Express Insurance

Located in Longwood, FL, the agency can help you understand auto insurance. But, they can do even more. Their experienced agents can construct a policy that keeps you safe on the road. Schedule an appointment today.