Lunibyte Insurance Hub BETA

Education only — Lunibyte is not an insurance company, agent or broker. Nothing here is a quote, a recommendation, or financial advice.

Auto insurance

Learn how auto deductibles and coverages work — with your own hypothetical numbers.

"Full coverage" is not one thing. An auto policy is a bundle of coverages — liability, collision, comprehensive and more — and each one pays in its own way. This page explains the main parts and lets you try a made-up repair bill. How to verify

Try it — a single covered claim (illustration)

An illustration with made-up numbers — not a quote. It models one fully covered claim and leaves out copays, out-of-pocket maximums, annual limits and premiums unless a field says otherwise. Auto claims usually stop at the deductible — there is normally no extra percentage after it, so the share starts at 0 %.

🔒 These numbers stay in your browser. Nothing is sent, saved or tracked.

Enter all three numbers to see the example.

Assumptions behind every result

  • One claim on its own — no other claims in the same year.
  • The whole cost is treated as covered by the policy.
  • No copays are included.
  • No out-of-pocket maximum is applied.
  • No annual or per-claim limit is applied.
  • Premiums you pay for the policy are not counted.
  • Made-up numbers for learning. This is not a quote and not advice.
  • Auto deductibles are set per coverage (for example collision or comprehensive), and auto claims usually have no extra share after the deductible.

Read and practice

Auto insurance explained · Step-by-step worksheet guide · All six insurance topics

Learn the terms

Liability coverage
Pays for damage you cause to other people's cars and property and for their injuries, up to the limits on your policy. It does not pay to fix your own car.Source: Texas Department of Insurance (updated Dec 11, 2025)
Collision coverage
Pays to repair or replace your own car after an accident, minus your deductible.Source: Texas Department of Insurance (updated Dec 11, 2025)
Comprehensive coverage
Pays for damage to your car that isn't from a collision — for example theft, fire, flood or vandalism — minus your deductible.Source: Texas Department of Insurance (updated Dec 11, 2025)
Deductible
The part of a covered claim you pay yourself. In Texas, deductibles apply to collision, comprehensive and uninsured/underinsured motorist claims; liability and personal injury protection use dollar limits instead.Source: Texas Department of Insurance (updated Dec 11, 2025)
Uninsured/underinsured motorist
Pays for your losses when a driver with no insurance, or not enough insurance, hits you — and in hit-and-run cases.Source: Texas Department of Insurance (updated Dec 11, 2025)

Compare — your own worksheet

Facts you entered, side by side. We don't score, rank or recommend policies — the right choice depends on things a table can't see.

Type what a policy document says. Blank cells stay "Not entered". Nothing is saved after you close the tab.

Questions people ask

Do I pay my deductible if the other driver caused the crash?

Not when the claim is paid by the other driver's insurance company. Your deductible applies when you claim on your own collision, comprehensive or uninsured motorist coverage.

Source: Texas Department of Insurance (updated Dec 11, 2025)

What do liability limits like 30/60/25 mean?

They are three limits: up to $30,000 for injuries per person, $60,000 for injuries per accident, and $25,000 for property damage. These are Texas's minimum liability limits; other states set their own minimums.

Source: Texas Department of Insurance (updated Dec 11, 2025)

What is personal injury protection (PIP)?

Coverage that pays medical bills and some other costs, such as lost wages, for you and your passengers. Texas policies include PIP unless you turn it down in writing.

Source: Texas Department of Insurance (updated Dec 11, 2025)

How to verify

Sources and dates