Card 1 — The Goal
🚗 Liability vs. Full Coverage: Liability only pays for damage and injuries you cause to OTHER people and their property. 'Full coverage' adds collision and comprehensive so damage to your own car is covered too.
Auto Coverage Explained: 5 Terms That Decide Who Pays After a Crash
Card 2 — Step 1
🌩️ Collision vs. Comprehensive: Collision pays when you hit another vehicle, guardrail, or tree. Comprehensive covers the non-accident stuff — theft, vandalism, animal strikes, cracked windshields, and weather.
Card 3 — Step 2
🔢 Decoding Split Limits: Numbers like 100/300/50 mean up to $100,000 bodily injury per person, $300,000 bodily injury per accident, and $50,000 property damage. Anything above those limits comes out of YOUR pocket — that's why cheap minimums are risky.
Card 4 — Step 3
🛡️ Uninsured & Underinsured Motorist (UM/UIM): Protects you when the driver who hits you has no insurance — or limits too low to cover your medical bills and repairs. It's the coverage that defends you against everyone else's bad decisions.
Card 5 — The Cheat Sheet
📲 The Telematics Discount: Many insurers offer an app or plug-in device that monitors speed, braking, and driving hours — safe habits can cut your premium 10-40%. Fair warning: aggressive driving data can push it the other way.