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Auto Insurance for New Drivers

If you’re a new driver, you may be confused about the terms in your auto insurance policy. Here’s a quick rundown.


A young person hugging their steeling wheel happily.

Pays to repair or replace your car — up to limits set by your policy — if it’s damaged in an accident.


Covers damage to your car that’s not the result of an accident, such as vandalism or theft.

Property damage liability

Covers damage you do to someone else’s car or other property.

Bodily injury liability

Pays for claims against you if you injure someone with your car, as well as legal fees if you’re sued.

Uninsured/underinsured motorist

Pays medical and other costs for you and passengers if a driver without insurance or an underinsured driver hits you.

Medical or personal injury protection

Pays medical bills for you and anyone in your car, or for you if you’re in someone else’s vehicle.

Notices & Disclosures

Article is adapted from content provided by DTS.

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