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Auto Insurance — CLEAR Report
Your auto policy has more gaps than you think.
Your CLEAR Report analyzes the exact language in your auto policy — not generic advice. Every finding is specific to your carrier, your state, and your coverage.
What We Analyze
→Liability limits vs. state minimums and adequacy
→Comprehensive and collision deductibles
→ACV vs. agreed/stated value settlement
→Gap coverage presence or absence
→Uninsured/underinsured motorist limits
→Rental reimbursement and towing limits
→Named driver exclusions and restrictions
→Usage-based and rideshare endorsements
Industry Reality Check
What the data actually shows.
1 in 8
drivers on the road are uninsured
43%
of total loss payouts leave owners with a remaining loan balance
$30K
median auto liability claim — most minimums cover less than half
62%
of drivers dont know if they have gap coverage
Common Coverage Gaps
Where auto policies typically fall short.
Three common areas where coverage often fails to match real-world exposure. Your CLEAR Report flags each of these — specific to your policy language.
Gap 01
Liability limits vs. state minimums and adequacy
Gap 02
Comprehensive and collision deductibles
Gap 03
ACV vs. agreed/stated value settlement
Your Report Framework
The CLEAR Report — 5 Core Areas
Every report — regardless of policy type — covers these five pillars. Each section is populated with findings specific to your actual policy language.
C
Coverage
What is actually protected under your policy and under what conditions.
L
Limits
Where your financial caps, sublimits, and per-occurrence maximums live.
E
Exclusions
What is explicitly left out — often buried in endorsements and riders.
A
Adjustments
Endorsements, modifications, and riders that change your base coverage.
R
Risk
Your overall exposure score based on gaps, limits, and exclusion density.
Report Structure
9 Sections. Every policy. Every time.
01
Coverage Summary
Plain-English breakdown of what your policy actually covers.
02
Limits Analysis
Every financial cap mapped against real-world exposure.
03
Exclusions Review
What is left out — and what that means for your specific risk.
04
Endorsements & Adjustments
Riders and add-ons that modify your base policy terms.
05
Risk Score
Your CLEAR score: a 0–100 rating of overall policy strength.
06
Coverage Gaps
Specific areas where your coverage falls short of your exposure.
07
Carrier Flags
Known issues and patterns specific to your insurance carrier.
08
Claim Readiness
Whether your policy and documentation are ready if you need to file.
09
Questions for Your Agent
Specific questions to ask your agent based on what we found.
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