21701 Auto Insurance: What You Need to Know About Coverage, Limits, and How It Works

What Is 21701 Auto Insurance?

The 21701 designation refers to a specific auto insurance policy code used in certain states to identify a type of vehicle coverage. It is not a universal term like "liability" or "collision," but rather a shorthand for a policy that includes comprehensive protection, collision, and liability with specific limits tailored for standard passenger vehicles.

Coverage Components

Liability Coverage

Includes bodily injury and property damage liability. Typical limits are:

• Body injury: $100,000 per person
• Body injury: $300,000 per accident
• Property damage: $100,000 per accident

Collision Coverage

Pay for damage to your vehicle when it collides with another object, regardless of fault. Deductible ranges from $250 to $1,000.

Comprehensive Coverage

Protects against non-collision events such as theft, vandalism, or natural disasters. Deductibles typically mirror collision limits.

Uninsured/Underinsured Motorist

Provides protection if you're hit by a driver lacking sufficient insurance. Limits mirror liability coverage.

Policy Limits and Deductibles

Policy limits are set by the insurer and can be increased for higher protection, often at additional cost. Deductibles affect claim payouts: higher deductibles lower premiums but increase out‑of‑pocket costs.

Common Exclusions

Even with 21701 coverage, certain situations are excluded:

• Intentional damage or vandalism by the insured
• Driving under influence or with a suspended license
• High-performance or modified vehicles beyond a specified mileage
• Commercial use of a personal vehicle beyond 50 miles per week

How to Choose the Right 21701 Plan

Assess Your Vehicle's Value

For newer cars, consider higher limits or a higher deductible to balance premium costs. Older vehicles may not justify high collision limits.

Evaluate Driving Habits

If you drive frequently or in high‑risk areas, prioritize liability and uninsured coverage.

Compare Quotes

Use comparison tools to view premiums, limits, and rider options. Look for insurers offering accident forgiveness or safe‑driving discounts.

Claims Process Overview

1. Report the incident to the insurer within 24 hours.2. Provide police report and photos.3. An adjuster will assess damage and determine payout based on deductibles.4. Repairs are typically handled through approved repair shops, or you receive a direct payout.

Frequently Asked Questions

Does 21701 cover rental cars?

Most 21701 policies include rental reimbursement up to a set daily limit, usually $30–$50.

Can I add roadside assistance?

Yes, as an optional rider that costs an extra monthly fee.

Is 21701 required by law?

In states that use the 21701 code, the policy is a standard minimum coverage requirement, but you may opt for higher limits.

Summary

Understanding the 21701 auto insurance policy helps you balance coverage and cost. By reviewing liability limits, collision and comprehensive options, and potential exclusions, you can tailor a plan that protects you and your vehicle without overpaying.