Programme terms differ sharply between insurers and states. If something here does not match what your provider told you, theirs is the version that governs — but do write and tell us.
Write to [email protected]. We read everything and answer what we can.
Our articles cover how US car insurance works in general and are not advice for your specific policy, claim or circumstances. Rules and cover terms depend on the insurer and the state and are revised from time to time; your insurer or state regulator can confirm what applies to you.