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Frequently Asked Questions
Coverage Options
Understanding your coverage options helps you build a policy that protects what matters — without paying for what you don't need.
Liability Insurance
Liability coverage pays for damage you cause to others—it's required in 48 states. Minimum limits range from $25,000 to $50,000 per accident, but higher limits protect retirement assets from lawsuits.
Comprehensive Coverage
Comprehensive covers theft, vandalism, weather damage, and animal collisions—not accidents. For vehicles worth less than $3,000, the annual premium often exceeds potential payouts, making it optional for budget-focused seniors.
Full Coverage
Full coverage combines liability, collision, and comprehensive—it's not a specific policy type. Drivers 65+ pay an average of $2,100 annually for full coverage, compared to $1,200 for liability-only on paid-off vehicles.
Uninsured Motorist Coverage
Uninsured motorist coverage pays your medical bills and vehicle damage when the at-fault driver has no insurance. It's mandatory in 20 states and costs $100–$300 annually—critical protection where 13% of drivers are uninsured.