Understanding 70813 Auto Insurance: Coverage, Costs, and How to Choose

What is 70813 Auto Insurance?

70813 auto insurance refers to a specific policy code used by certain insurers to denote a standard liability coverage plan. It covers bodily injury and property damage that you cause to others while driving, but it does not include comprehensive or collision protection for your own vehicle.

Core Coverage Elements

Typical 70813 policies include:

• Personal injury liability: medical expenses and lost wages for third‑party injuries.
• Property damage liability: repair or replacement costs for others' vehicles or property.
• Uninsured/underinsured motorist: protection if the at‑fault driver lacks sufficient coverage.

Premium Determinants

Premiums for a 70813 policy are influenced by:

• Driver age, gender, and driving record.
• Vehicle type, year, and safety ratings.
• Geographic location and local traffic conditions.
• Credit score in some states.

When 70813 May Not Be Enough

Because it excludes collision and comprehensive coverage, 70813 is suitable for low‑risk drivers or those who already have other protective policies. If you own a newer vehicle, have a high‑value car, or live in an area prone to theft or natural disasters, consider adding collision or comprehensive riders.

Choosing the Right Policy

Follow these steps to decide if 70813 fits your needs:

Common Questions Answered

Can I add collision to a 70813 policy? Yes, many insurers allow riders that transform the policy into a full‑coverage plan.

What are the minimum limits required by law? Requirements vary by state but typically start at $25,000 bodily injury per person, $50,000 per accident, and $15,000 property damage.

How does my credit score affect the premium? In states that allow it, a higher credit score can lower premiums; a lower score may raise them.