{"id":797,"date":"2026-06-14T15:59:13","date_gmt":"2026-06-14T15:59:13","guid":{"rendered":"https:\/\/www.forelephant.com\/en\/auto-insurance\/"},"modified":"2026-06-14T15:59:13","modified_gmt":"2026-06-14T15:59:13","slug":"auto-insurance","status":"publish","type":"post","link":"https:\/\/www.forelephant.com\/en\/auto-insurance\/","title":{"rendered":"Auto Insurance Guide: 10 Coverage Checks Before Choosing a Policy"},"content":{"rendered":"<p class=\"fe-image-credit\"><strong>Image credit:<\/strong> Exclusive editorial image by Forelephant.com.<\/p>\n<section class=\"fsx-toc\">\n<h2>Table of Contents<\/h2>\n<ol>\n<li><a href=\"#why-it-matters\">Why auto insurance matters<\/a><\/li>\n<li><a href=\"#coverage-checklist\">Coverage checklist<\/a><\/li>\n<li><a href=\"#documents-needed\">Documents needed<\/a><\/li>\n<li><a href=\"#common-mistakes\">Common mistakes<\/a><\/li>\n<li><a href=\"#faq\">FAQ<\/a><\/li>\n<\/ol>\n<\/section>\n<section class=\"fsx-inline-photos\">\n<figure><img src=\"https:\/\/www.forelephant.com\/en\/wp-content\/uploads\/2025\/03\/auto-insurance-1-797-1024x682.jpg\" alt=\"Auto Insurance - professional guide image\" width=\"1200\" height=\"675\" loading=\"lazy\" decoding=\"async\"><figcaption>Auto Insurance &#8211; professional guide image.<\/figcaption><\/figure>\n<figure><img src=\"https:\/\/www.forelephant.com\/en\/wp-content\/uploads\/2025\/03\/auto-insurance-2-797-1024x683.jpg\" alt=\"Auto Insurance - documents and checklist image\" width=\"1200\" height=\"675\" loading=\"lazy\" decoding=\"async\"><figcaption>Auto Insurance &#8211; documents and checklist image.<\/figcaption><\/figure>\n<figure><img src=\"https:\/\/www.forelephant.com\/en\/wp-content\/uploads\/2025\/03\/auto-insurance-3-797-1024x605.jpg\" alt=\"Auto Insurance - policy comparison image\" width=\"1200\" height=\"675\" loading=\"lazy\" decoding=\"async\"><figcaption>Auto Insurance &#8211; policy comparison image.<\/figcaption><\/figure>\n<figure><img src=\"https:\/\/www.forelephant.com\/en\/wp-content\/uploads\/2025\/03\/auto-insurance-4-797-1024x683.jpg\" alt=\"Auto Insurance - insurance planning image\" width=\"1200\" height=\"675\" loading=\"lazy\" decoding=\"async\"><figcaption>Auto Insurance &#8211; insurance planning image.<\/figcaption><\/figure>\n<\/section>\n<p><strong>Understanding High-Risk Auto Insurance Coverage<\/strong> is part of our insurance guide archive. The purpose of this page is to keep the old indexed content available for readers while improving structure, readability, and internal navigation.<\/p>\n<div style=\"background:#fff7ed;border:1px solid #fed7aa;border-radius:14px;padding:16px;margin:18px 0\"><strong>Important note:<\/strong> This article was migrated from the old indexed insurance section and updated for the English magazine. It is general information only and does not replace professional insurance, legal, tax, medical, or financial advice.<\/div>\n<p dir=\"ltr\" style=\"text-align: left\">\n  \u00a0<b>H<\/b>igh-risk auto insurance is designed for drivers who are deemed more<br \/>\n  likely to be involved in accidents or cause damage on the road. Insurance<br \/>\n  companies classify certain drivers as &#8220;high-risk&#8221; based on factors such as<br \/>\n  age, driving behavior, and the type of vehicle they drive. As a result, these<br \/>\n  drivers often face higher insurance premiums due to the increased financial<br \/>\n  risk they pose. Understanding what qualifies a driver as high-risk, the<br \/>\n  coverage options available, and how to reduce insurance rates can make this<br \/>\n  complex aspect of auto insurance more manageable.\n<\/p>\n<h2 dir=\"ltr\" style=\"text-align: left\"><strong style=\"text-align: left\">Who Is Considered a High-Risk Driver?<\/strong><\/h2>\n<ul dir=\"ltr\" style=\"text-align: left\">\n<li><span style=\"text-align: left\"><b>A<\/b><\/span><span style=\"text-align: left\">\u00a0high-risk driver is someone who has a greater likelihood of being<br \/>\n      involved in accidents or violating traffic laws. This can stem from<br \/>\n      various factors, including reckless driving, multiple speeding tickets, a<br \/>\n      history of accidents, or DUIs\/DWIs. Young and inexperienced drivers,<br \/>\n      especially teenagers, are typically categorized as high-risk because of<br \/>\n      their limited driving experience. On the flip side, older drivers can also<br \/>\n      be considered high-risk due to slower reaction times. Individuals with<br \/>\n      canceled insurance or those driving high-performance vehicles may also<br \/>\n      fall under this category.<\/span><\/li>\n<\/ul>\n<div class=\"separator\" style=\"clear: both;text-align: center\"><img decoding=\"async\" alt=\"Auto Insurance\" border=\"0\" data-original-height=\"680\" data-original-width=\"1024\" height=\"425\" src=\"https:\/\/safedrivecoverage.com\/wp-content\/uploads\/2024\/09\/high-risk-car-insurance-1024x680.webp\" title=\"Auto Insurance\" width=\"640\" \/><\/div>\n<p><\/p>\n<div style=\"text-align: left\"><\/div>\n<h2 dir=\"ltr\" style=\"text-align: left\"><strong data-end=\"1264\" data-start=\"1214\" style=\"text-align: left\">Why Do High-Risk Drivers Face Higher Premiums?<\/strong><span style=\"text-align: left\">\u00a0<\/span><\/h2>\n<ul dir=\"ltr\" style=\"text-align: left\">\n<li><span style=\"text-align: left\">\u00a0Insurance premiums are determined by risk, so drivers deemed high-risk<br \/>\n      must pay higher premiums for coverage. Research shows that drivers with a<br \/>\n      history of accidents or multiple traffic viola<\/span><span style=\"text-align: left\">tions are more likely to<br \/>\n      file claims. This increases the likelihood of the insurer having to pay<br \/>\n      out, resulting in higher premiums. Additionally, drivers with poor credit<br \/>\n      may be considered high-risk, as some insurers believe financial<br \/>\n      instability can lead to reckless driving behavior. Higher premiums reflect<br \/>\n      the increased likelihood of future claims and the additional risk posed to<br \/>\n      the insurer.<\/span><\/li>\n<\/ul>\n<h2 dir=\"ltr\" style=\"text-align: left\"><strong data-end=\"47\" data-is-only-node=\"\" data-start=\"3\" style=\"text-align: left\">What Does High-Risk Car Insurance Cover?<\/strong><\/h2>\n<ul dir=\"ltr\" style=\"text-align: left\">\n<li><span style=\"text-align: left\">High-risk car insurance typically covers the same aspects as regular car<br \/>\n      insurance, but with higher premiums due to the increased risk associated<br \/>\n      with the driver. Coverage generally includes liability, which compensates<br \/>\n      for injuries and property damage to others when the insured driver is at<br \/>\n      fault in an accident. Comprehensive accident coverage is often included,<br \/>\n      which helps pay for damage to the insured driver\u2019s own vehicle.<br \/>\n      Additionally, some high-risk policies may provide protection if you are<br \/>\n      involved in an accident with an uninsured driver or one who doesn\u2019t have<br \/>\n      enough coverage to compensate for the damages. Drivers with high-risk<br \/>\n      profiles may also be required to file an SR-22 form, a certificate of<br \/>\n      financial responsibility, to confirm that they meet the minimum coverage<br \/>\n      requirements set by their state.<\/span><\/li>\n<\/ul>\n<h2 dir=\"ltr\" style=\"text-align: left\"><strong data-end=\"924\" data-is-only-node=\"\" data-start=\"873\" style=\"text-align: left\">How to Find a High-Risk Auto Insurance Company?<\/strong><\/h2>\n<div dir=\"ltr\" style=\"text-align: left\">\n<ul style=\"text-align: left\">\n<li><span style=\"text-align: left\">Securing high-risk auto insurance can be more challenging than obtaining<br \/>\n      standard car insurance. Many traditional insurance companies may not offer<br \/>\n      coverage to high-risk drivers, while others specialize in providing<br \/>\n      insurance to this group. To ensure you get the best deal, it&#8217;s essential<br \/>\n      to shop around and get quotes from various providers, comparing the<br \/>\n      options available. Insurance agents can be particularly helpful, as they<br \/>\n      can connect high-risk drivers with companies that are more likely to offer<br \/>\n      coverage. Additionally, using online comparison tools can simplify the<br \/>\n      process, allowing you to easily compare quotes and find the most<br \/>\n      affordable plan for high-risk drivers.<\/span><\/li>\n<\/ul>\n<h2 style=\"text-align: left\"><strong data-end=\"45\" data-is-only-node=\"\" data-start=\"3\">How to Get Cheaper High-Risk Insurance<\/strong><\/h2>\n<div>\n<ul style=\"text-align: left\">\n<li>\nAlthough high-risk drivers generally face higher premiums, there are several strategies to lower the cost of insurance. One of the most effective ways to reduce your rates is by improving your driving habits. Avoiding traffic violations, accidents, and other issues that could impact your driving record can help improve your risk profile over time, ultimately lowering your insurance premiums. Many insurance companies offer discounts for completing a defensive driving course, which demonstrates your commitment to safer driving. Additionally, you can consider bundling your auto insurance with other types of coverage, such as home insurance, or adding safety features to your vehicle, all of which can reduce your overall risk and subsequently lower your insurance costs.<\/li>\n<\/ul>\n<h2 style=\"text-align: left\">How Long Is a Driver Considered High-Risk?<\/h2>\n<\/div>\n<div>\n<ul style=\"text-align: left\">\n<li>The duration a driver remains classified as high-risk depends on the specifics of their driving history and the nature of the offenses they committed. A minor traffic violation might only elevate someone to high-risk status for a few years, while a more severe infraction, such as a DUI\/DWI, can result in a longer period of high-risk classification. Typically, drivers can return to regular coverage once they maintain a clean driving record for a certain period. However, insurance companies have varying policies regarding how long a driver remains classified as high-risk. It&#8217;s a good idea to periodically review your insurance status and consult with your insurer to determine when you might be eligible for lower rates, helping you save on premiums sooner.<\/li>\n<\/ul>\n<h2 style=\"text-align: left\">What if I Can&#8217;t Obtain High-Risk Insurance?<\/h2>\n<div>\n<ul style=\"text-align: left\">\n<li>For some high-risk drivers, obtaining auto insurance through traditional providers can be challenging. In such cases, state agencies step in to ensure that all drivers have access to basic auto coverage. These plans, often referred to as \u201cassigned risk plans\u201d or \u201cresidual markets,\u201d pool high-risk drivers and make coverage available through participating insurance companies. While these plans tend to be more expensive, they guarantee that drivers maintain the minimum required coverage mandated by their state. However, it\u2019s important to note that these plans are typically considered a last resort. Drivers should exhaust all other options before opting for this route.<\/li>\n<\/ul>\n<h2 style=\"text-align: left\"><strong data-end=\"783\" data-start=\"729\">Why It\u2019s Essential to Maintain Continuous Coverage?<\/strong><\/h2>\n<\/div>\n<div>\n<ul style=\"text-align: left\">\n<li>Failing to maintain auto insurance can cause a driver to become classified as high-risk. When a driver allows their policy to lapse without securing new coverage, the insurer may consider them unreliable, leading to increased premiums. That\u2019s why it\u2019s crucial for high-risk drivers to keep their insurance up-to-date. If a driver struggles to afford standard coverage, opting for an affordable high-risk policy is far better than driving without any insurance at all. Maintaining continuous coverage not only helps avoid legal penalties but also demonstrates responsibility, which can lower your rates over time.<\/li>\n<\/ul>\n<h2 style=\"text-align: left\"><strong data-end=\"1412\" data-start=\"1398\">Conclusion<\/strong><\/h2>\n<div>High-risk auto insurance is crucial for drivers deemed more likely to be involved in an accident by insurance companies. Although premiums for this coverage are typically higher, they provide the essential protection required by law and offer financial security in the event of an accident. Drivers who are classified as high-risk should actively shop for the best policy by comparing quotes, improving their driving records, and taking advantage of discounts. By keeping a clean driving history and avoiding coverage lapses, high-risk drivers can lower their premiums and eventually return to standard coverage. Understanding all aspects of high-risk auto insurance can help you navigate the process and ensure you get the best coverage for your situation.<\/div>\n<\/div>\n<\/div>\n<\/div>\n<ol dir=\"ltr\" style=\"text-align: left\">\n<\/ol>\n<p><strong>auto insurance<\/strong> is an important insurance topic for readers who want clear guidance, better coverage decisions, and practical steps before choosing, renewing, cancelling, comparing, or claiming against a policy. This guide explains auto insurance in plain English with examples, checklists, documents, and common mistakes.<\/p>\n<p>The purpose of this article is to help visitors understand auto insurance without confusing language. Insurance decisions can affect money, family protection, vehicles, homes, travel plans, businesses, and long-term financial security.<\/p>\n<div class=\"fsx-disclaimer\"><strong>Important disclaimer:<\/strong> This article provides general information only. It is not legal, financial, tax, medical, insurance, or professional advice. Always review official policy documents and speak with a qualified professional or licensed provider when needed.<\/div>\n<h2 id=\"why-it-matters\">Why auto insurance matters<\/h2>\n<p>auto insurance matters because the wrong insurance decision can create expensive problems later. A low premium may look attractive, but the real value of a policy depends on coverage limits, exclusions, deductibles, claim requirements, renewal rules, and provider support.<\/p>\n<p>Before relying on any offer, compare auto insurance across more than one provider. Look carefully at what is covered, what is excluded, what documents are required, and how the claim process works.<\/p>\n<h2 id=\"coverage-checklist\">auto insurance: coverage checklist<\/h2>\n<ul>\n<li>Check the exact coverage included in the policy.<\/li>\n<li>Read exclusions before comparing prices.<\/li>\n<li>Review deductibles, excess amounts, and out-of-pocket costs.<\/li>\n<li>Compare coverage limits and claim limits.<\/li>\n<li>Ask how long claims usually take.<\/li>\n<li>Confirm whether renewal terms can change.<\/li>\n<li>Keep written answers from the provider.<\/li>\n<li>Do not rely only on advertising language.<\/li>\n<\/ul>\n<h2 id=\"documents-needed\">Documents needed for auto insurance<\/h2>\n<p>Useful documents may include policy numbers, receipts, photos, repair estimates, invoices, accident reports, medical records, travel documents, emails, claim forms, provider letters, and a short timeline of events.<\/p>\n<p>Good documentation makes auto insurance easier to review. Keep digital and paper copies whenever possible, especially if you are preparing a claim, appeal, cancellation request, refund request, or comparison.<\/p>\n<h2 id=\"common-mistakes\">Common auto insurance mistakes<\/h2>\n<p>Common mistakes include choosing the cheapest policy without checking exclusions, ignoring deductibles, missing claim deadlines, sending incomplete documents, not asking for written clarification, and assuming every loss is automatically covered.<\/p>\n<p>A careful auto insurance review should focus on real-life use. Ask yourself what could happen, what proof would be required, what the provider may reject, and how much you may still pay yourself.<\/p>\n<h2>Useful auto insurance wording example<\/h2>\n<pre style=\"white-space:pre-wrap;background:#111827;color:#f9fafb;padding:16px;border-radius:12px;line-height:1.7\">Subject: Request regarding auto insurance\n\nDear insurance provider,\n\nI am writing regarding my policy or request related to auto insurance. My policy or reference number is policy or claim number.\n\nPlease confirm the next steps, required documents, deadlines, and any exclusions or limits that may apply. I would appreciate a written response for my records.\n\nThank you for your assistance.\n\nSincerely,\nyour name<\/pre>\n<h2>Trusted external resources<\/h2>\n<p>For general consumer education, you can review the <a href=\"https:\/\/content.naic.org\/consumer.htm\" rel=\"nofollow noopener\" target=\"_blank\">NAIC consumer insurance resources<\/a> and <a href=\"https:\/\/www.usa.gov\/insurance\" rel=\"nofollow noopener\" target=\"_blank\">USA.gov insurance information<\/a>. These links are included as general references and do not replace policy documents or professional advice.<\/p>\n<h2 id=\"faq\">FAQ about auto insurance<\/h2>\n<h3>Is this professional advice?<\/h3>\n<p>No. This auto insurance guide is general information only and should not replace official policy documents or advice from a qualified professional.<\/p>\n<h3>Should I compare more than one provider?<\/h3>\n<p>Yes. Comparing providers helps you understand differences in coverage, exclusions, claim handling, deductibles, price, and support.<\/p>\n<h3>What is the safest next step?<\/h3>\n<p>Read the policy wording carefully, keep written records, prepare documents, and ask the provider to explain unclear terms in writing.<\/p>\n<p>When reviewing auto insurance, focus on practical details rather than slogans. The most useful insurance choice is usually the one that clearly explains coverage, exclusions, documents, deadlines, limits, deductibles, and the claim process. If something is unclear, ask for written clarification before making a decision.<\/p>\n<p>When reviewing auto insurance, focus on practical details rather than slogans. The most useful insurance choice is usually the one that clearly explains coverage, exclusions, documents, deadlines, limits, deductibles, and the claim process. If something is unclear, ask for written clarification before making a decision.<\/p>\n<p>When reviewing auto insurance, focus on practical details rather than slogans. The most useful insurance choice is usually the one that clearly explains coverage, exclusions, documents, deadlines, limits, deductibles, and the claim process. If something is unclear, ask for written clarification before making a decision.<\/p>\n<p>When reviewing auto insurance, focus on practical details rather than slogans. The most useful insurance choice is usually the one that clearly explains coverage, exclusions, documents, deadlines, limits, deductibles, and the claim process. If something is unclear, ask for written clarification before making a decision.<\/p>\n<p>When reviewing auto insurance, focus on practical details rather than slogans. The most useful insurance choice is usually the one that clearly explains coverage, exclusions, documents, deadlines, limits, deductibles, and the claim process. If something is unclear, ask for written clarification before making a decision.<\/p>\n<p>When reviewing auto insurance, focus on practical details rather than slogans. The most useful insurance choice is usually the one that clearly explains coverage, exclusions, documents, deadlines, limits, deductibles, and the claim process. If something is unclear, ask for written clarification before making a decision.<\/p>\n<p>When reviewing auto insurance, focus on practical details rather than slogans. The most useful insurance choice is usually the one that clearly explains coverage, exclusions, documents, deadlines, limits, deductibles, and the claim process. If something is unclear, ask for written clarification before making a decision.<\/p>\n<p>When reviewing auto insurance, focus on practical details rather than slogans. The most useful insurance choice is usually the one that clearly explains coverage, exclusions, documents, deadlines, limits, deductibles, and the claim process. If something is unclear, ask for written clarification before making a decision.<\/p>\n<p>When reviewing auto insurance, focus on practical details rather than slogans. The most useful insurance choice is usually the one that clearly explains coverage, exclusions, documents, deadlines, limits, deductibles, and the claim process. If something is unclear, ask for written clarification before making a decision.<\/p>\n<p>When reviewing auto insurance, focus on practical details rather than slogans. The most useful insurance choice is usually the one that clearly explains coverage, exclusions, documents, deadlines, limits, deductibles, and the claim process. If something is unclear, ask for written clarification before making a decision.<\/p>\n<p>When reviewing auto insurance, focus on practical details rather than slogans. The most useful insurance choice is usually the one that clearly explains coverage, exclusions, documents, deadlines, limits, deductibles, and the claim process. If something is unclear, ask for written clarification before making a decision.<\/p>\n<p>When reviewing auto insurance, focus on practical details rather than slogans. The most useful insurance choice is usually the one that clearly explains coverage, exclusions, documents, deadlines, limits, deductibles, and the claim process. If something is unclear, ask for written clarification before making a decision.<\/p>\n<p>When reviewing auto insurance, focus on practical details rather than slogans. The most useful insurance choice is usually the one that clearly explains coverage, exclusions, documents, deadlines, limits, deductibles, and the claim process. If something is unclear, ask for written clarification before making a decision.<\/p>\n<p>When reviewing auto insurance, focus on practical details rather than slogans. The most useful insurance choice is usually the one that clearly explains coverage, exclusions, documents, deadlines, limits, deductibles, and the claim process. If something is unclear, ask for written clarification before making a decision.<\/p>\n<p>When reviewing auto insurance, focus on practical details rather than slogans. The most useful insurance choice is usually the one that clearly explains coverage, exclusions, documents, deadlines, limits, deductibles, and the claim process. If something is unclear, ask for written clarification before making a decision.<\/p>\n<p>When reviewing auto insurance, focus on practical details rather than slogans. The most useful insurance choice is usually the one that clearly explains coverage, exclusions, documents, deadlines, limits, deductibles, and the claim process. If something is unclear, ask for written clarification before making a decision.<\/p>\n<p>When reviewing auto insurance, focus on practical details rather than slogans. The most useful insurance choice is usually the one that clearly explains coverage, exclusions, documents, deadlines, limits, deductibles, and the claim process. If something is unclear, ask for written clarification before making a decision.<\/p>\n<p>When reviewing auto insurance, focus on practical details rather than slogans. The most useful insurance choice is usually the one that clearly explains coverage, exclusions, documents, deadlines, limits, deductibles, and the claim process. If something is unclear, ask for written clarification before making a decision.<\/p>\n<p>When reviewing auto insurance, focus on practical details rather than slogans. The most useful insurance choice is usually the one that clearly explains coverage, exclusions, documents, deadlines, limits, deductibles, and the claim process. If something is unclear, ask for written clarification before making a decision.<\/p>\n<p>When reviewing auto insurance, focus on practical details rather than slogans. The most useful insurance choice is usually the one that clearly explains coverage, exclusions, documents, deadlines, limits, deductibles, and the claim process. If something is unclear, ask for written clarification before making a decision.<\/p>\n<p>When reviewing auto insurance, focus on practical details rather than slogans. The most useful insurance choice is usually the one that clearly explains coverage, exclusions, documents, deadlines, limits, deductibles, and the claim process. If something is unclear, ask for written clarification before making a decision.<\/p>\n<p>When reviewing auto insurance, focus on practical details rather than slogans. The most useful insurance choice is usually the one that clearly explains coverage, exclusions, documents, deadlines, limits, deductibles, and the claim process. If something is unclear, ask for written clarification before making a decision.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>auto insurance guide with coverage checklist, documents, common mistakes, examples, FAQs, images, and trusted insurance resources.<\/p>\n","protected":false},"author":1,"featured_media":2331,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[935,989],"tags":[936,898,901,899,900],"class_list":["post-797","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance-imported-archive","category-supporting-guides","tag-imported-insurance-archive","tag-insurance","tag-insurance-claim","tag-insurance-guide","tag-insurance-policy"],"_links":{"self":[{"href":"https:\/\/www.forelephant.com\/en\/wp-json\/wp\/v2\/posts\/797","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.forelephant.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.forelephant.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.forelephant.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.forelephant.com\/en\/wp-json\/wp\/v2\/comments?post=797"}],"version-history":[{"count":4,"href":"https:\/\/www.forelephant.com\/en\/wp-json\/wp\/v2\/posts\/797\/revisions"}],"predecessor-version":[{"id":2380,"href":"https:\/\/www.forelephant.com\/en\/wp-json\/wp\/v2\/posts\/797\/revisions\/2380"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.forelephant.com\/en\/wp-json\/wp\/v2\/media\/2331"}],"wp:attachment":[{"href":"https:\/\/www.forelephant.com\/en\/wp-json\/wp\/v2\/media?parent=797"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.forelephant.com\/en\/wp-json\/wp\/v2\/categories?post=797"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.forelephant.com\/en\/wp-json\/wp\/v2\/tags?post=797"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}