Bodily injury and property-damage liability
Verify the limit, deductible, definition, exclusions and endorsements that control this part of the risk.
Personal Insurance
Auto Insurance
Use the declarations page to test whether your liability, uninsured-motorist, physical-damage and driver protections match the loss you could actually absorb.
Coverage mechanics
What the policy decision actually controls.
Uninsured and underinsured motorists
Verify the limit, deductible, definition, exclusions and endorsements that control this part of the risk.
Collision and comprehensive
Verify the limit, deductible, definition, exclusions and endorsements that control this part of the risk.
Medical payments or PIP where applicable
Verify the limit, deductible, definition, exclusions and endorsements that control this part of the risk.
Rental, towing and roadside options
Verify the limit, deductible, definition, exclusions and endorsements that control this part of the risk.
Household drivers, youthful drivers and vehicle use
Verify the limit, deductible, definition, exclusions and endorsements that control this part of the risk.
Ask the hard questions
Before you compare price, answer these.
- Could your liability limits absorb a severe multi-vehicle injury claim?
- Are UM/UIM limits aligned with the protection you want for your own household?
- Would the collision and comprehensive deductibles be manageable tomorrow?
- Are every regular driver and household vehicle use correctly disclosed?
- Do leased, financed, rideshare or business-use vehicles need different treatment?
- Should auto liability coordinate with a personal umbrella?
Pull the documents
Prepare the evidence.
- Current auto declarations page
- Drivers, dates of birth and license information
- Vehicle VINs, ownership and use
- Annual mileage and garaging address
- Loan or lease information
- Recent claims, tickets and current deductibles
Read the current policy
Do not assume the coverage name answers the question.
Start with the declarations page, then trace the coverage form, definitions, exclusions and endorsements. Compare the final policy—not just the quote—to the exposure you are trying to protect.
Use the Sokar policy-reading guide →Ask Sokar P&C Guide
Start with your insurance question.
Get a focused answer, identify the relevant coverage and tell us when you want a Sokar representative to follow up.
Sokar Guide
On this page we are reviewing Auto Insurance. What would you like to understand?
On this page we are reviewing Auto Insurance. What would you like to understand?
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Direct connection
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Coverage is subject to eligibility, underwriting, policy terms, exclusions and carrier availability. Submitting a form does not bind, change or confirm coverage.