What do the three liability numbers on my auto policy mean?

They are usually written in thousands: bodily injury per person, bodily injury per accident, and property damage per accident. 100/300/100 means $100,000, $300,000, and $100,000. A licensed agent can explain how your limits compare with what you own.

Does my auto policy cover hail damage?

Hail is commonly handled under comprehensive coverage, after your comprehensive deductible. A vehicle with liability only usually has no coverage for its own hail damage. Check your declarations page to see which vehicles carry comprehensive.

Does personal auto insurance cover driving for DoorDash or Uber?

Many personal policies exclude driving for pay unless a rideshare or delivery endorsement is added. Ask a licensed agent before you start, because the answer depends on your policy's wording.

Is uninsured motorist coverage required in South Dakota?

South Dakota requires uninsured and underinsured motorist coverage on auto policies, along with liability coverage. Confirm current minimums with the South Dakota Division of Insurance or a licensed agent, because requirements can change.

Personal insurance guide

Auto insurance, explained

A personal auto policy pays others when you are at fault in a crash, and can also pay to repair or replace your own car, truck, or SUV. Your declarations page lists every vehicle, every driver, and a separate limit or deductible for each part of the policy, so it is worth reading line by line.

Check Your Coverage Get a Quote Call (888) 509-8502

What auto commonly covers

Who usually carries it

Anyone who owns, leases, or finances a car, pickup, SUV, or minivan
Households with teen or newly licensed drivers
People who borrow a vehicle often or do not own one but drive regularly (non-owner policies)
Drivers whose lender or lease requires collision and comprehensive

Commonly covered

Bodily injury and property damage you cause to others (liability)
Your injuries when the at-fault driver has little or no insurance (uninsured and underinsured motorist)
Damage to your vehicle from a crash, after the deductible (collision)
Hail, deer strikes, theft, fire, and glass, after the deductible (comprehensive)
Medical payments for you and your passengers, regardless of fault
Optional extras such as rental reimbursement and roadside assistance

Commonly excluded or limited

Driving for pay, such as rideshare or delivery, unless the policy adds it
Vehicles used mainly for a business (that is commercial auto)
Wear and tear, mechanical breakdown, and tires
Custom parts and equipment beyond a small built-in amount
Drivers in the household who are not listed or are excluded by name
Your own vehicle's damage if you carry liability only

This page is general information about how these policies commonly work. Every policy's own forms, endorsements, and exclusions decide what it covers. For advice about your situation, talk with a licensed insurance agent.

Before your renewal

What to check on your own policy

Every vehicle and every licensed driver in the household is listed correctly
Liability limits, shown as three numbers such as 100/300/100
Uninsured and underinsured motorist limits, and how they compare with your liability limits
Collision and comprehensive deductibles for each vehicle
Whether older vehicles still carry collision and comprehensive
Lienholder or lessor names on financed and leased vehicles

Not sure what your policy says?

Upload your declarations page. The free AI coverage check lists your coverages, limits, and deductibles in plain language and flags items to discuss with a licensed agent.

Check Your Coverage

Auto questions

Know what you're covered for before you need it.

Check your coverage free in about a minute, then talk with a licensed agent about anything you want to change or quote.