- 1). Look for your policy period section to find out the dates you have coverage, including start date and end date. Verify the vehicle's VIN, make and model.
- 2). Learn who is covered on the policy in the drivers and residents section.
- 3). Go to the outline of coverage section to find out what types of insurance coverage you have. Know there are several different types, including liability to others (bodily injury liability and property damage liability), personal injury protection, uninsured/underinsured motorist bodily injury, uninsured/underinsured property damage, comprehensive, collision and rental reimbursement.
- 4). Learn the differences between the types of coverage and look to see which ones your policy includes. Keep in mind that each type of coverage works differently depending on the type of accident.
- 5). Discover your limit amounts beside each type of coverage, including your bodily injury liability. Ask your insurance broker if your limits are within the local average, such as $25,000 for each person.
- 6). Find your deductible amount beside each type of coverage; for example, $250 might be what you have to pay out of pocket if you are involved in an accident with an at-fault uninsured motorist.
- 7). Look for your policy premium, which is what you pay for coverage on typically a monthly, bi-annual or annual schedule.
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