Auto calculator

See what your auto policy appears to show before you call it full coverage.

Enter a few declarations-page details. The decoder flags liability, UM/UIM, comprehensive, collision, GAP, rental, household-use, and umbrella-readiness items to review.

About 2 minutes No upload required No contact info before results Not sure is okay

This is a review helper, not a quote, policy change, legal opinion, or claim decision. Your policy, endorsements, and carrier rules control.

What this checks

Built for declarations-page review, not price guessing.

Full coverage is not a policy term

The decoder separates liability, comprehensive, collision, UM/UIM, GAP, rental, and umbrella readiness so the pieces are easier to review.

Not shown does not mean denied

A missing or uncertain entry becomes a document request. Policy forms, endorsements, and carrier rules still control.

Send the right documents

The result tells you what to send for a real PureCover review: declarations pages, UM/UIM forms, payoff details, and umbrella or home liability pages where needed.

PureCover answers

Common auto coverage questions this decoder is built to answer.

Use these plain-English checks while comparing your declarations page. They explain the same review rules the calculator applies, but your policy, endorsements, and carrier rules still control.

Is full coverage a real auto coverage type?

No. People often use full coverage to mean liability plus comprehensive and collision, but the phrase does not tell you whether rental reimbursement, roadside, GAP, higher liability, UM/UIM, delivery or rideshare use, or umbrella readiness are handled. The declarations page and endorsements need review.

Why this matters: full coverage is shorthand, not a policy term. The useful review is item-by-item coverage, limits, deductibles, drivers, vehicles, and use.

Source: PureCover Insurance Auto Coverage Decoder.

What if collision is not shown?

If collision is not shown for a vehicle, damage to your own vehicle from a crash, impact with an object, or overturn may not be shown for that vehicle. If the vehicle is financed or leased, this becomes a high-priority review because lenders and lessors often expect physical damage coverage.

Why this matters: collision is separate from liability and comprehensive. A liability-only setup can leave your own damaged vehicle out of the visible policy summary.

Source: PureCover Insurance Auto Coverage Decoder.

What if comprehensive is not shown?

If comprehensive or other-than-collision is not shown for a vehicle, damage from theft, fire, hail, vandalism, animal contact, falling objects, glass, water, flood, and similar non-collision causes may need review. The policy and exclusions control.

Why this matters: comprehensive and collision answer different damage questions. Seeing one does not prove the other is included.

Source: PureCover Insurance Auto Coverage Decoder.

Is Idaho minimum liability enough?

Idaho minimum liability is a legal floor, not a household protection recommendation. A 25/50/15 entry may match the current Idaho minimum used by this calculator, but minimum limits can still leave a serious out-of-pocket exposure and may be below common umbrella-underlying review thresholds.

Why this matters: state minimums focus on legal compliance. Coverage planning should also consider vehicles, assets, income, household drivers, and umbrella eligibility.

Source: PureCover Insurance Auto Coverage Decoder.

Does Idaho auto insurance include UM/UIM?

Idaho auto policies generally include uninsured and underinsured motorist coverage unless rejected by the named insured in writing or authorized electronic record. If UM/UIM is rejected, lower than liability, not shown, or uncertain, the declarations page and rejection or selection forms should be reviewed.

Why this matters: UM/UIM is a protection-for-your-household question, not just a state-minimum question. The selection or rejection paperwork can matter.

Source: PureCover Insurance Auto Coverage Decoder.

Does GAP always pay the full loan balance?

No. GAP, loan-lease payoff, dealer GAP, carrier endorsements, deductibles, vehicle value, and rolled-in balances can work differently. If the loan or lease balance may exceed the vehicle value, review where GAP lives, whether comprehensive or collision is shown for the vehicle, and use the Total Loss, GAP & Rental Cashflow Check for a deeper cashflow estimate.

Why this matters: GAP is a payoff-review item, not a blanket promise. A total-loss result can depend on the GAP contract, the loan, the deductible, and physical-damage coverage.

Source: PureCover Insurance Auto Coverage Decoder.

Can delivery, rideshare, or business use change the answer?

Yes. Personal auto policies can treat delivery, rideshare, and business use differently. If paid or business use is selected, review the policy, endorsements, and carrier rules before relying on the current setup.

Why this matters: the same vehicle can create a different coverage question when it is used for paid driving, business errands, or mixed household and business use.

Source: PureCover Insurance Auto Coverage Decoder.

Why does an auto calculator ask about umbrella readiness?

Umbrella coverage may sit above auto and home liability policies and may require certain underlying limits to stay in force. Low auto limits or unknown home liability do not prove the umbrella fails, but they are review flags before assuming the umbrella sits cleanly above the household.

Why this matters: umbrella coverage is not reviewed in isolation. The underlying auto and home liability limits need to line up with how the umbrella is written.

Source: PureCover Insurance Auto Coverage Decoder.

Glossary

Terms used in this calculator.

Liability

Coverage that can pay others when you are legally responsible for injury or property damage. It does not repair your own vehicle.

Split limits

Separate limits for bodily injury per person, bodily injury per accident, and property damage per accident.

Combined single limit

One total liability limit for covered bodily injury and property damage from an accident.

UM/UIM

Uninsured and underinsured motorist coverage. These can respond when an at-fault driver has no insurance or not enough insurance, subject to policy terms.

Comprehensive

Often called other-than-collision. It generally points to non-collision vehicle damage such as theft, hail, fire, vandalism, animal contact, glass, and similar causes, subject to exclusions.

Collision

Vehicle damage coverage for impact with another vehicle or object, or overturn, subject to policy terms.

GAP / loan lease payoff

Coverage or a separate product that may help when the loan or lease balance is higher than the vehicle's claim value.

Use the Total Loss, GAP & Rental Cashflow Check when you want to compare ACV, deductible, payoff, rental limits, and replacement cash pressure.

Rental reimbursement

Optional coverage that may pay a limited daily or total amount for temporary transportation after a covered claim. It is different from liability, comprehensive, and collision.

Roadside assistance

Optional help for towing, jump starts, lockouts, or similar roadside events. It usually does not replace rental reimbursement after a covered loss.

Medical payments

Optional first-party coverage that may help with medical expenses for covered people after an auto accident, subject to the policy's terms and limit.

Excluded driver

A person the policy restricts or excludes. If that person drives, coverage can be limited or unavailable depending on the form and facts.

Garaging address

The place where the vehicle is mainly kept. A mismatch can create underwriting, rating, or claim-review problems.

Lienholder / lender

A bank, credit union, leasing company, or other party with a financial interest in the vehicle. Financed or leased vehicles often have coverage requirements.

Umbrella underlying limits

The auto, home, renters, condo, boat, or other liability limits an umbrella expects to sit above. Carrier requirements vary.

Review request

Review and update any missing information before sending.

We can use the flags above to review the actual declarations page, forms, and endorsements. Carrier, renewal date, drivers, insureds, lenders, and documents can be updated below before anything is submitted.

Send auto summary

Your calculator summary can be copied into notes below. Uploading a declarations page is optional but helpful.

First name

Last name

Email

Phone

State

ZIP code

Coverage interest

Current carrier

Renewal date

Additional drivers, insureds, or household people

Optional. Add regular drivers, co-applicants, a spouse or partner, other named insureds, or anyone else who should be reviewed with the policy.

Lenders, mortgagees, HELOCs, HOAs, or other interests

Optional. Use this for auto lenders, lessors, mortgagees, home-equity loans, HELOCs, HOAs, landlords, property managers, certificate holders, or other parties that should be listed or reviewed.

Notes

Documents to upload

Document type 1

File 1

Optional. Attach up to 4 PDF or image files. Each file can be up to 8 MB, with a 20 MB total upload limit. Your confirmation email will include a Request ID and a link to add documents later.

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You can still request a review and upload your declarations page at Review My Coverage.