If you own a car, you are required to have auto insurance or proof of financial responsibility by law.  Auto insurance is designed to protect you against financial loss if you are involved in an accident or your vehicle is damaged. It is a contract between the policyholder and the insurance company and provides property, liability and medical coverage. The minimum coverage requirements can vary from state to state making it tricky for policyholders to understand what exact coverage they need. No matter what insurance company you go through for coverage, all car insurance policies will contain a declaration page, insuring agreement, exclusions, and conditions.

At OnPoint Insurance Services, we understand how auto insurance works in each state. Our agents can help you take advantage of any discounts you may qualify for. To ensure that you are adequately covered, it is important to know the basics when getting an auto insurance policy.

Auto Policy Declaration Page 

Here is where you will find the basic information about your car insurance policy. Most declaration pages will include: 

  • Agent and insurance company, 
  • Make and model of the vehicle.
  • Name of the insured. May also include drivers of the vehicle such as children or a spouse.
  • Any excluded drivers.
  • Premiums and how often you are responsible to pay them. 
  • Deductibles that you’re required to pay for each coverage component.
  • Lienholder if leasing the vehicle or purchased it with a car loan.

Auto Insuring Agreement 

The insurance agreement is where the policyholder agrees to pay the premium and the insurance company agrees to pay losses as defined in the policy. Everyone has different coverage needs, and at OnPoint, our agents make finding the right auto policy easy. We want you to have an auto policy that provides you with all the coverage you need at the most affordable price. 

Auto insurance will always provide liability, property and medical coverage

While different states mandate different types of insurance, an auto policy will always provide liability, property and medical coverage. Each type of coverage will always be priced separately allowing for variability for your specific coverage needs. 


When the policyholder is at fault, liability coverage pays for the policyholder’s legal responsibility to the other driver’s medical, car repair and other costs related to bodily injury or property damage. 

  • Auto liability coverage is mandatory in most states. 
  • Drivers are legally required to purchase at least the minimum amount of liability coverage set by state law. 


Auto property coverage pays for damage to, or theft of, the car. Property damage liability may help pay for damage you cause to another person’s property while driving.

  • Property coverage is mandatory in most states. 


Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses. 

  • Medical coverage is mandatory in most states. 

Optional Coverage for Auto Policies 

Depending on your situation, there are additional coverage options available to add to your auto policy. An experienced agent at OnPoint Insurance Services will help you understand what additional coverages will be in your best interest so that you can find a policy that is right for you.


Comprehensive coverage helps cover the cost of damage to your car caused by theft, fire, hail or vandalism. 

  • Comprehensive coverage is typically optional
  • If you’re leasing or paying for a vehicle with a loan, it may be required by the lender. 
  • Comprehensive coverage has a deductible


Collision coverage helps pay to repair or replace your car if you are involved in an accident with another vehicle or crash into another object.

  • Collision coverage is typically optional
  • If you’re leasing or paying for a vehicle with a loan, it may be required by the lender. 


Personal injury protection, to help pay for your medical expenses after an accident including expenses incurred after the accident (ie. loss of income or child care)

  • PIP is not offered in every state.
  • PIP is required in some stants and optional in others when available.


At OnPoint, here are some other coverage options we see policyholders request in addition to their base policey: 

  • Uninsured and underinsured motorist coverage
  • Gap insurance
  • Roadside assistance
  • Towing and labor reimbursement
  • Rental car reimbursement
  • Extra equipment attached to the car but not covered by the base policy

Car Insurance Exclusions 

Exclusions in a policy are any exceptions to your insuring agreement. All car insurance policies include a list of exclusions and there are industry-wide exclusions you can always expect while reviewing a policy. Depending on your level of coverage, these exclusions will vary. Car insurance exclusions list and explain what instances where your policy will not provide coverage. 

Our agents will walk you through the exclusions so that you clearly understand them before enrolling in a specific policy.

Terms and Conditions of Policy

The terms and conditions portion of your policies will identify any general requirements to maintain the agreement between both parties. Behaviors that could lead to your policy being dropped or voided will be identified under the terms and conditions. Auto insurance companies will also clearly state their cancellation and nonrenewal policies within each agreement.

Having full understanding of your specific terms and conditions, can help avoid a situation in which you are deemed personally liable for damages. 

Find the Best Auto Insurance Policy Today 

Nobody likes to feel like just another number in a system — at OnPoint, our primary focus is to best serve you. Whether this is your first time or hundredth time, we’ll put together a personalized plan to get you the best insurance solution.

Every auto insurance policy is different. That’s why our team experts are here to help you find the best coverage for your specific needs. Request a quote or call us at (701) 353-2592 today!