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AI-nsurance Coverage Review
Auto Insurance · Sample Policy · Prepared June 2026
Policy Type
Auto
Personal · 2 vehicles
Gaps Found
3
Requires attention
Savings Found
$620/yr
Estimated annual
Questions for Agent
5
Discussion guide included
| Coverage Type |
Vehicle 1 (2021 Honda CR-V) |
Vehicle 2 (2019 Toyota Camry) |
Status |
| Bodily Injury Liability |
$100,000 / $300,000 |
$100,000 / $300,000 |
Adequate |
| Property Damage Liability |
$100,000 |
$100,000 |
Adequate |
| Uninsured Motorist |
$50,000 / $100,000 |
Not included |
Gap Found |
| Medical Payments (MedPay) |
$5,000 |
Not included |
Gap Found |
| Comprehensive |
$500 deductible |
$500 deductible |
Adequate |
| Collision |
$500 deductible |
$1,000 deductible |
Adequate |
| Rental Reimbursement |
$30/day · $900 max |
Not included |
Duplicate? |
| Roadside Assistance |
Included |
Included |
Duplicate? |
Uninsured Motorist Coverage Missing on Vehicle 2
Your 2019 Toyota Camry has no uninsured motorist coverage. In California, approximately 1 in 8 drivers is uninsured. If an uninsured driver hits your Camry, you have no coverage for your own injuries or lost wages through your auto policy alone.
⚠ High exposure — affects medical and wage coverage after an accident
No Medical Payments Coverage on Vehicle 2
MedPay covers medical expenses for you and your passengers regardless of fault. Without it on your Camry, out-of-pocket medical costs from any accident fall entirely on your health insurance — which may involve deductibles, copays, and network restrictions.
⚠ Moderate exposure — creates out-of-pocket medical risk after any accident
Liability Limits May Be Insufficient Given Your Asset Profile
Your $300,000 combined single limit on bodily injury is the policy minimum for most carriers, but personal injury lawsuits regularly exceed this. Without an umbrella policy on top of your auto coverage, a serious accident could expose assets beyond your policy limits.
⚠ Significant exposure for homeowners or those with investments/savings
Duplicate Roadside Assistance
You are paying for roadside assistance through your auto policy. This same coverage is included in your AAA membership and as a benefit on your Chase Sapphire card. Removing it from both vehicles could reduce your premium.
~$180/yr
Multi-Policy Bundle Not Applied
Your home and auto policies are with different carriers. Most major carriers offer 8–15% discounts for bundling both policies. At your current premium level, this represents meaningful annual savings.
~$340/yr
Good Driver Discount Not Confirmed
Your policy does not show an applied good driver discount, despite no accidents or violations in the past 5 years. Confirm with your agent whether this discount is already applied or needs to be added.
~$100/yr
🚫
Rideshare / Delivery Use
Your personal auto policy does not cover you while driving for Uber, Lyft, DoorDash, or any other rideshare or delivery platform — even during the app-on, no-passenger phase.
🚫
Business Use of Vehicle
Regularly using your vehicle for work — sales calls, client visits, transporting work equipment — may void coverage in an accident. Personal policies exclude commercial use.
🚫
Mechanical Breakdown
Comprehensive coverage covers sudden events (storms, theft, animals) but does not cover mechanical failure or normal wear and tear. Engine failure is not a covered loss.
🚫
Personal Property in Vehicle
Laptops, cameras, and other personal items stolen from your car are not covered under auto insurance. These fall under your homeowners or renters policy (with applicable deductibles).
1
"Can you add uninsured motorist coverage to my 2019 Camry, and what would that cost? I want the same limits as my CR-V."
2
"I have AAA and a credit card with roadside coverage — is there a way to remove the roadside assistance from my policy to reduce the premium?"
3
"What discount would I receive if I moved my home insurance to you as a bundle? Can you quote both policies together?"
4
"Is my good driver discount currently applied to both vehicles? I've had no accidents or violations in over five years."
5
"Given my asset level, would you recommend increasing my liability limits or adding an umbrella policy? What would a $1 million umbrella cost?"
Three Things to Do This Week
Add uninsured motorist + MedPay to your Camry. You have a real gap that could cost you significantly after any accident involving an uninsured driver. This is the most important fix.
Ask about bundling your home and auto. At your premium level, a bundle discount likely saves $300+ per year. One call to your current home carrier is worth making.
Discuss an umbrella policy. Your current liability limits may leave you exposed given your asset profile. A $1M umbrella typically costs $150–300/year and provides significant additional protection.
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