State minimums, gig economy coverage, contractor requirements — clear answers without the legal jargon.
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"Finally understood what coverage I need!"— Jason M.
The coverage questions people ask most — with clear, accurate answers from official sources
New York requires 25/50/10 liability plus $50,000 PIP and mandatory uninsured motorist coverage. Learn the state's no-fault rules and why minimums may not be enough.
Florida requires PIP and property damage liability—but no bodily injury coverage. Learn the state's no-fault rules, FR-44 requirements, and why minimums leave dangerous gaps.
California requires 15/30/5 minimum liability coverage. Learn what the state mandates, penalties for driving uninsured, and why minimums may not be enough.
Amazon Flex requires auto insurance, but their coverage only applies during active delivery blocks. Learn what insurance Flex drivers actually need and how to avoid gaps.
Uber Eats requires valid auto insurance, but coverage differs from rideshare. Learn what insurance Uber Eats drivers need and how to fill dangerous coverage gaps.
DoorDash requires valid auto insurance, but their coverage has gaps. Learn what insurance you actually need as a Dasher and how to avoid being uninsured during deliveries.
Find troubleshooting guides organized by the type of issue you're experiencing
State minimum auto coverage rules
Insurance rules for businesses
Rules for contractors & trades
Professional & general liability rules
Country-specific travel rules
Insurance for motorcycles, boats & more
Legal and regulatory insurance rules
Side-by-side insurance requirement comparisons