Sample CLEAR Report · Auto Insurance
What we found in a
real auto policy.
Overall CLEAR Score
Action RecommendedThis policy has adequate base coverage but carries meaningful gaps in liability limits, uninsured motorist protection, and GAP coverage for a financed vehicle. Three findings require immediate attention.
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How this score is calculated →Comprehensive & Collision — Active
CoveredBoth coverages confirmed active. $500 deductible on collision, $250 on comprehensive. Replacement cost basis confirmed for a vehicle under 3 years old.
§ Declarations Page, Item 4 — Physical Damage Coverage
Rental Reimbursement — Limited
ReviewRental coverage capped at $30/day, $900 maximum. Average rental rates in your state exceed $55/day. Gap of $25+/day is your out-of-pocket exposure during a covered repair.
§ Additional Coverages, Section 4B — Transportation Expenses
Medical Payments — Declined
Not CoveredMedPay was not elected on this policy. Without MedPay, medical expenses for you and passengers after an at-fault accident are not covered under this policy — regardless of health insurance.
§ Declarations Page — Optional Coverages (not elected)
Sample report for illustration only. All findings cite actual policy language. Not legal advice. Not a coverage determination. Verify with your agent or attorney.