Auto Insurance Knowledge
Here's some coverage knowledge to make your PoliClear Score and Report even more valuable.
Insurance landscape
Average auto premiums by state — hover any state to explore
Lower cost
Higher cost
Did you know
1 in 8
drivers on US roads has zero insurance — making uninsured motorist coverage critical, not optional.
— Insurance Research Council, 2024
$340
is how much the average driver overpays annually by missing discounts they already qualify for.
— J.D. Power Auto Study, 2023
63%
of American drivers are underinsured for liability — one serious accident could be financially devastating.
— LexisNexis Risk Solutions, 2024
$4,700
average out-of-pocket cost for drivers who waived rental coverage after a covered accident.
— NAIC Consumer Study
78%
of drivers have never read their declarations page — the only document showing what's actually covered.
— PoliClear user research, 2025
29%
of drivers who file a claim discover a coverage gap they had no idea existed.
— Insurance Information Institute
Coverage map
One accident. Six coverages. Hover each one to understand what protects you.
Every coverage type has a specific job. Most drivers don't know what fires when — until it's too late.
Collision Coverage
Bodily Injury Liability
Property Damage Liability
PIP / MedPay Coverage
Rental Reimbursement
Uninsured / Underinsured Motorist
Hover any coverage node to learn what it covers, when it activates, and what you'd owe without it
Nationwide coverage gaps
Most common gaps among US drivers
Underinsured for liability0%
Limits below what a serious accident actually costs
No uninsured motorist coverage0%
1 in 8 drivers on the road is completely uninsured
Missing GAP on financed vehicle0%
Owes more than car is worth after a total loss
No rental reimbursement0%
$40–60/day out of pocket during repairs
Deductible too high to use0%
Deductible exceeds available savings
Common misconceptions
Things most drivers get wrong
Myth
"Full coverage means everything is covered."
Fact
"Full coverage" isn't a real term. It typically means comp + collision only — excluding gap, rideshare, and much more.
Myth
"State minimum coverage is good enough."
Fact
Most state minimums cover a fraction of a serious accident's true cost. You'd owe the rest personally.
Myth
"My credit score doesn't affect my rate."
Fact
In 46 states, insurers legally use credit scores to set premiums. A poor score can add hundreds per year.