HOOK
Thinking your car insurance is “good enough”? One small coverage gap can turn a normal accident into a big out-of-pocket bill. Here are five to check before you renew or switch.
[Fast cuts: car crash footage, insurance paperwork, worried driver reviewing policy]
KEY POINT 1: LIABILITY LIMITS
Start with liability coverage. If you cause a crash, state minimums may not be enough to cover medical bills or repairs. Higher limits can protect your savings if the damage is bigger than expected.
[On-screen: policy limits highlighted, split-screen of small vs. serious accident]
KEY POINT 2: UNINSURED MOTORIST COVERAGE
Next, check uninsured and underinsured motorist coverage. If the other driver has little or no insurance, this is what helps pay your injuries and, in some states, vehicle damage.
[Visual: hit-and-run scene, “uninsured driver” warning icon]
KEY POINT 3: DEDUCTIBLE VS. CASH FLOW
Your deductible matters too. A lower premium can come with a higher deductible, which means more money out of your pocket after a claim. Make sure you can actually afford it tomorrow, not just on paper.
[B-roll: calculator, monthly budget app, deductible amount on screen]
KEY POINT 4: GAP AND RENTAL COVERAGE
If you finance or lease, ask about gap insurance and rental reimbursement. Gap can help if your car is totaled and you owe more than it’s worth. Rental coverage can keep you moving while your car is in the shop.
[Visual: totaled car, dealership lot, rental car keys]
CTA
Before your next policy change, compare these four areas line by line. A five-minute review can save you from a very expensive surprise. Want more simple insurance tips? Follow for the next breakdown.
[On-screen text: “Review your policy today” + follow/subscribe animation]
