Understanding Car Insurance

It's not that hard to become a car insurance pro. Let's roll!

Lending out your car? Here's what you need to know before you hand over those keys

Let's explore the unique perks and benefits of Lemonade Car, a whole new way of doing car insurance.

Your car insurance policy is a collection of different coverages—some legally mandated, and others optional.

Don't go to pieces. Car insurance doesn't have to be a headache

The insurance industry uses the term “Acts of God” to refer to damage caused by something that’s outside of human control.

Annual mileage is important for determining a car’s value and insurance costs, among other things.

Car insurance exclusions are a way for insurance companies to more narrowly define what’s covered, and what’s not, in a car insurance policy.

Get the 411 on how your car insurance deductibles work, and learn how your deductible amount impacts your auto insurance premium.

Proof of insurance is a document issued by your insurance company that provides proof you have at least the state-mandated minimum insurance coverage.

A vehicle identification number (also called a VIN number) is used to identify the specific vehicle and vehicle type

Subrogation is a legal right that allows your insurer to pay for your damages before pursuing the responsible party to collect the debt it's owed.

A salvage title is a branded title that warns buyers of the extent of damages from an accident, theft, or other situation like a natural disaster. 

A rated resident refers to a member of your household who drives an insured car, and whose driving record is used to determine your insurance premiums. 

A lienholder is the bank or lender that hooks you up with a loan to help you buy your car.

An insurance company usually declares a car to be a total loss when the cost of repair is greater than the cost to replace.

Before you agree to sign one of these, take a look at what it entails. We explain everything in plain English.

A betterment clause states that an insurer will not pay for any repairs or replacement parts that improve the car’s condition and increase its value.

Actual cash value (ACV) is the amount an insurance company decides your car is worth at the time of an accident.

Get the coverage you need, and hit the road with confidence

Custom parts? Rideshare driving? We spell out everything your car insurance policy might not cover.

Comprehensive insurance protects you against a lot of things that don’t involve crashing into another vehicle—stuff like theft, vandalism, and storm damage.

Collision insurance is coverage that helps pay to repair or replace your own car if it’s damaged in an accident with another vehicle or object.

With Lemonade Car's roadside assistance services, we're with you every step of the way. We'll break down—no pun intended—how it all works

Rental car insurance protects you if you rent a car and are later liable for hitting another vehicle, as well as if the car is damaged or stolen.

Temporary transportation coverage refers to a car insurance add-on that covers expenses like Lyft, public transportation, bike sharing, or a rental.

Bodily injury liability pays for someone else’s medical expenses and injury-related lost wages if they’re injured in a car accident where you are at fault.

If your vehicle is totaled or stolen, gap coverage helps pay off your existing auto loan.

Medical payments coverage helps pay the medical bills if you, your passenger, or family member got injured in a car accident.

Pet injury coverage helps pay the veterinary bills or costs of memorial in the event that your pet is hurt or killed while riding with you in a car accident.

Learn about Lemonade Car's roadside assistance. Get to know what's included in your policy, and how you can use it.

Windshield crack repair describes the process of fixing a cracked windshield before it gets worse and needs complete replacement.

Get the ins and outs about full coverage car insurance, which protects your vehicle in many different scenarios.

Make every mile magnificent with Lemonade Car

Let's explore the unique perks and benefits of Lemonade Car, a whole new way of doing car insurance.

We reward drivers for the environment-friendly driving choices they’re already making. Here are some of the perks.

Emissions describe gases and particles put into the air. These are often waste products from cars, factories, or other sources. 

We're supporting drivers who make environment-friendly choices

Wall chargers aren't cheap. How does your car insurance cover them for electric and hybrid vehicles?

Reforestation involves replanting trees in an area that was previously forested. Learn how Lemonade plants trees as you drive.

Get covered without breaking the bank with Lemonade.

Besides being legally required, car insurance is vital to keep you protected from the financial burden of bad things that can happen in, around, and to your car. 

Your ride begins losing value the second you purchase it. This loss of value is what we call ‘depreciation.’ But not all cars depreciate equally.

Premiums are the payments you make to your insurer for your car insurance policy.

Some insurers took hidden fees into your policy. That's not how we roll at Lemonade Car.

From the surreal to the hilarious, these films celebrate the potentials of the automobile... Buckle up!

An exhaustive list, backed by "science" and opinion

Emergency services refers to professional help you might call in the event of a car crash or other unsafe road conditions.

What comes first: The policy, or the car?

Catalytic converter theft is on the rise. Learn more about preventative measures you can take for your vehicle.

A fender bender is a minor accident between more than one car.

When would you be given a courtesy car, and how does the process work with your insurance?

Classic car insurance is a specialty coverage for certain types of older, collectible cars.

Car key replacement can get tricky depending on the type of car you drive. We explain the basics.

Accident forgiveness is when an insurance company agrees not to factor a car accident into calculating your premiums.

Got in a hit and run accident? Oof. Here's everything you need to do if you find yourself in this unpleasant situation.

Mechanical breakdown insurance (or MBI coverage, for those in the know) is a type of insurance that covers your car’s mechanical failures.

Learn what a motor vehicle report is, how it can be obtained, and who has access to it.

Collector car insurance (also known as classic car insurance) is a specialty auto insurance policy.

No-fault insurance, also called personal injury protection or PIP, covers the medical expenses of you and your passengers in an auto accident.

Non-owner auto insurance is liability coverage for people who don’t have their own car, but still need to drive once in a while.

Rideshare insurance is designed to prevent coverage gaps for any full or part-time gig workers employed by companies like Uber or Lyft.

If your car has been "totaled" after an accident, it means the cost of repairing it is greater than the cost to replace it.

An SR-22 is not an actual "type" of insurance, but rather a form that proves your car insurance policy meets certain state requirements.

An accident report details the events of a car accident, with all the details about what happened, who was involved, any property damage, etc.

Car repair insurance is a type of insurance that covers mechanical failures.

Location-based services are at the heart of Lemonade Car

Crash detection is one of several helpful car safety features insurers like Lemonade include when you drive with your location services enabled.

Let's explore the unique perks and benefits of Lemonade Car, a whole new way of doing car insurance.

Location services are the main permissions you need to enable on your phone to let third-party apps use your location to provide extra services.

Telematics is the name for the location-based tech that allows insurers like Lemonade Car to price policies fairly, based on how much and how safely you drive.