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.
Everything here is general information about how car insurance works in the United States, not advice about your policy, your claim or your circumstances. Cover terms, programme rules and legal requirements vary by insurer and by state, and they change. Confirm anything that matters with your own insurer or the relevant regulator before relying on it.