underwrite

Auto policy analyzer

Analyze your auto insurance policy

Upload your auto declarations page and see your liability limits, your deductibles, and what each coverage actually pays for.

  • Free, no account needed
  • Every vehicle, limit and deductible in plain English
  • Checked against typical umbrella minimums

What kind of policy is it?

Best results: your declarations page, usually the first 1–3 pages of the policy. The full policy gives a more complete picture.

This is an automated, educational tool

This educational tool uses automated analysis, including AI, to help explain the documents you upload. It may make mistakes or miss important provisions. A declarations page alone generally does not include all policy terms, exclusions, or endorsements. Information not shown should not be assumed to be covered or excluded. Review the complete policy with a licensed insurance professional before making coverage decisions.

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Example report

What your breakdown looks like

An example of the plain-English report you’ll get. Upload your own policy above to see yours.

Carrier

Northway Auto

Vehicles

2

Premium

$3,060/yr

Renews

May 15

What we found

  • Liability is below a typical umbrella minimumCheck

    $100K / $300K bodily injury. Many umbrellas require $250K / $500K underneath.

    Ask your broker: What would raising bodily injury to $250K / $500K cost?

  • Collision deductible is $1,000Check

    You’d pay the first $1,000 of damage to your car in a crash.

    Ask your broker: How would a $500 collision deductible change my premium?

  • Uninsured motorist matches your liabilityLooks good

    $100K / $300K, so your own injuries are covered as well as others’.

    Ask your broker: Does it also cover my passengers?

Limits and deductibles

Bodily injury
Per person / per accident
$100K / $300K
Property damage
Others’ cars and property
$100,000
Uninsured motorist
Your injuries
$100K / $300K
Medical payments
You and passengers
$5,000
Comprehensive deductible
Theft, hail, glass
$500
Collision deductible
Crash damage
$1,000

Read from your document. Check anything that looks wrong against the original.

Want someone to look at this with you?

A licensed broker can confirm what we found and quote changes.

Find a broker

How it works

  1. 1

    Upload your document

    Your declarations page, usually the first 1–3 pages of the policy. The full policy gives a more complete picture.

  2. 2

    We read every limit and deductible

    Coverages, liability and every deductible, along with the endorsements the page lists.

  3. 3

    Get a plain-English breakdown

    What’s covered, possible gaps, and questions to ask your broker.

What we check on auto policies

  • Bodily injury and property damage limits
  • Uninsured / underinsured motorist
  • Collision and comprehensive deductibles
  • Medical payments or PIP
  • Rental and roadside
  • Limits vs. umbrella minimums
  • Every vehicle and driver listed
  • Lienholders

Your documents stay yours

  • We use your upload to create your breakdown.
  • We don’t send your policy to carriers or brokers.
  • It’s only added to an account if you create one.
Read our privacy policy

Questions

What do limits like 100/300/100 mean?

$100K bodily injury per person, $300K bodily injury per accident, and $100K property damage. The analyzer reads yours and says what each one pays for.

Will it check my limits against my umbrella?

It compares your auto liability with the minimums umbrellas commonly require, often $250K / $500K. Your own umbrella states its exact requirement.

What should I upload?

The declarations page is the most useful: it lists your limits, deductibles and endorsements. The full policy adds exclusions and definitions.

Is it really free?

Yes. There’s no charge and no account needed to see your breakdown.

How accurate is it?

It’s an automated reading, including AI, and it can make mistakes or miss provisions. Check anything that looks wrong against your document, and review the complete policy with a licensed insurance professional before making coverage decisions.

Will a broker or carrier contact me?

No. We don’t send your policy to carriers or brokers. We only email you if you give us your address to receive your report.

Can I analyze more than one policy?

Yes. Upload each one separately. With a free account you can keep them together and see how the limits line up.