This is a standard personal auto policy for your 2022 Subaru Outback, covering the period from June to December 2026. It protects you financially if you cause an accident that injures someone or damages their property (liability), and it also covers damage to your own car from accidents (collision) or other events like theft and storms (comprehensive). It includes some coverage for your own medical bills and a rental car after a claim, but has important limitations, especially regarding business use of your vehicle and coverage for custom parts.
| Coverage | Limit / Deductible | What It Means in Plain English |
|---|---|---|
| Bodily Injury Liability | $50,000 / $100,000 | If you're at fault in an accident, this pays for other people's injuries. It will pay up to $50,000 for any one person's injuries, and a maximum of $100,000 total for everyone injured in a single accident. |
| Property Damage Liability | $50,000 per accident | If you're at fault, this pays to repair or replace other people's property you damage, like their car, a fence, or a building. The maximum payout for one accident is $50,000. |
| Collision | $1,000 Deductible | This pays to repair your own car after an accident. You are responsible for the first $1,000 of the repair cost (your deductible), and the insurance covers the rest, up to the car's actual cash value. |
| Comprehensive | $500 Deductible | This pays for damage to your car from things other than a collision, such as theft, vandalism, fire, hail, floods, or hitting an animal. You pay the first $500 of the cost. |
| Uninsured/Underinsured Motorist | $50,000 / $100,000 | This covers your own medical expenses if you are hit by a driver who has no insurance or not enough insurance to cover your bills. The limits mirror your liability coverage. |
| Medical Payments | $5,000 per person | This helps pay for medical bills for you and your passengers after an accident, no matter who was at fault. It provides up to $5,000 per person. |
| Rental Reimbursement | $30/day, 30 days max | If your car is in the shop for repairs after a covered claim, this provides $30 per day to help pay for a rental car, for a maximum of 30 days. |
These are important exclusions and limitations that people often misunderstand. Your policy will NOT pay for:
This document is for informational purposes only and is not financial advice. Based on this policy, here are practical questions you could discuss with your agent: