HOOK
Think your auto policy covers “everything”? It might not. A few common gaps can leave you paying out of pocket after a crash, theft, or even a hit-and-run. [Close-up of insurance policy papers and a car in traffic]
KEY POINT 1
First, liability coverage only pays for damage you cause to others. It does not pay to fix your own car. If you’re financing or leasing, that matters even more because your lender may require more than the state minimum. [Split screen: damaged car vs. highlighted policy coverage]
KEY POINT 2
Second, collision and comprehensive are different. Collision helps after an accident with another vehicle or object. Comprehensive helps with theft, vandalism, weather, fire, and animal strikes. If you drop either one to save money, know exactly what you’re giving up. [B-roll of hail, deer crossing, broken window, fender bender]
KEY POINT 3
Third, don’t overlook uninsured and underinsured motorist coverage. If the other driver has little or no insurance, this can help cover your injuries — and in some states, your car damage too. It’s one of the most useful coverages people forget to review. [Traffic footage, rear-end collision, driver exchanging info]
CTA
Before you renew, compare your coverages to your actual risks: how much your car is worth, how much you drive, and whether you could afford a repair or medical bill yourself. Want a simple policy check list? Tap to learn more. [Checklist animation and person reviewing a phone app]
