{"id":4402,"date":"2024-11-07T07:24:25","date_gmt":"2024-11-07T15:24:25","guid":{"rendered":"\/wp-site\/?p=4402"},"modified":"2025-12-10T17:52:13","modified_gmt":"2025-12-11T01:52:13","slug":"head-on-collision","status":"publish","type":"car-insurance","link":"https:\/\/jerry.ai\/car-insurance\/head-on-collision\/","title":{"rendered":"Head-On Collisions: Insurance Impact and What You Need to Know"},"content":{"rendered":"\n<p>Head-on collisions are rare but devastating. They make up just <strong>4% of accidents but cause nearly 11% of all traffic deaths<\/strong>, and they\u2019re among the most expensive accidents for drivers.<\/p>\n\n\n\n<p>Jerry has helped <strong>110,276 drivers <\/strong>get car insurance policies with <a href=\"\/car-insurance\/collision-insurance\/\"><strong>collision coverage<\/strong><\/a><strong> for between $156-$272 per month<\/strong>, protecting them from the steep costs of serious accidents.&nbsp;<\/p>\n\n\n\n<p>Here\u2019s what to know about the financial and insurance impact of a head-on collision, and how to protect yourself.<\/p>\n\n\n<div class=\"max-md:mx-full-bleed wp-block-jerry-full-bleed\">\n  \n<div>\n<div class=\"wp-block-cover is-style-md-rounded-3xl has-aspect-ratio\" style=\"padding-right:var(--wp--preset--spacing--40);padding-left:var(--wp--preset--spacing--40);min-height:160px;aspect-ratio:5\/2;min-height:unset;\"><img loading=\"lazy\" decoding=\"async\" width=\"1828\" height=\"2560\" class=\"wp-block-cover__image-background wp-image-49111 size-full\" alt=\"\" src=\"https:\/\/jerry.ai\/wp-content\/uploads\/2024\/11\/Car-driving-scaled.jpg\" style=\"object-position:59% 73%\" data-object-fit=\"cover\" data-object-position=\"59% 73%\" srcset=\"https:\/\/jerry.ai\/wp-content\/uploads\/2024\/11\/Car-driving-scaled.jpg 1828w, https:\/\/jerry.ai\/wp-content\/uploads\/2024\/11\/Car-driving-214x300.jpg 214w, https:\/\/jerry.ai\/wp-content\/uploads\/2024\/11\/Car-driving-731x1024.jpg 731w, https:\/\/jerry.ai\/wp-content\/uploads\/2024\/11\/Car-driving-768x1075.jpg 768w, https:\/\/jerry.ai\/wp-content\/uploads\/2024\/11\/Car-driving-1097x1536.jpg 1097w, https:\/\/jerry.ai\/wp-content\/uploads\/2024\/11\/Car-driving-1463x2048.jpg 1463w, https:\/\/jerry.ai\/wp-content\/uploads\/2024\/11\/Car-driving-900x1260.jpg 900w, https:\/\/jerry.ai\/wp-content\/uploads\/2024\/11\/Car-driving-400x560.jpg 400w, https:\/\/jerry.ai\/wp-content\/uploads\/2024\/11\/Car-driving-40x56.jpg 40w, https:\/\/jerry.ai\/wp-content\/uploads\/2024\/11\/Car-driving-179x250.jpg 179w\" sizes=\"auto, (max-width: 1828px) 100vw, 1828px\" fetchpriority=\"low\"\/><span aria-hidden=\"true\" class=\"wp-block-cover__background has-black-background-color has-background-dim-40 has-background-dim\"><\/span><div class=\"wp-block-cover__inner-container is-layout-flow wp-block-cover-is-layout-flow\">\n<p class=\"has-text-align-center has-white-color has-text-color has-link-color wp-elements-c861c09bfe2c0a1b0d66db8aa59bdf2e\" style=\"font-size:clamp(17.371px, 1.086rem + ((1vw - 3.2px) * 0.752), 27px);\"><strong>Jerry pulls up to 20 quotes from top rated carriers.<\/strong><\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-system-sans-serif-font-family has-medium-font-size has-custom-font-size wp-element-button\" href=\"\/signup\">Compare quotes<\/a><\/div>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">How much a head-on collision affects insurance costs&nbsp;<\/h2>\n\n\n\n<p>When two vehicles collide head-on, even at moderate speeds, it often means injuries, damaged vehicles and insurance claims that can stretch well into six figures. If you\u2019re at-fault, claims can reach over $100,000, and you could be at risk of a lawsuit.<\/p>\n\n\n\n<p>After a head-on collsion, your rate is also likely to go up. Here\u2019s how much car insurance can cost after an accident according to Jerry\u2019s data, depending on who\u2019s at fault.<\/p>\n\n\n\n<div data-show-load-more=\"false\" class=\"group wp-block-jerry-live-table\" data-wp-context=\"{&quot;data&quot;:[{&quot;accidentType&quot;:&quot;Not At Fault&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$391&quot;},{&quot;accidentType&quot;:&quot;At Fault With Injury&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$398&quot;},{&quot;accidentType&quot;:&quot;At Fault With No Injury&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$437&quot;}],&quot;isExpandable&quot;:false,&quot;isExpanded&quot;:true,&quot;limitForExpanding&quot;:null,&quot;searchText&quot;:null}\" data-wp-interactive=\"jerry\/live-table\" data-wp-init=\"callbacks.onInit\" data-wp-bind--data-show-load-more=\"state.showLoadMore\">\n  \n  <div class=\"relative max-md:mx-full-bleed hidden md:block\">\n    <figure class=\"live-table-header wp-block-table sticky top-0 z-[2] !overflow-x-hidden bg-white md:static\">\n      <table>\n            <thead >\n      <tr>\n                  <th class=\"wp-block-table__cell-content\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Accident record  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Average monthly quote  <\/div>\n<\/th>\n              <\/tr>\n    <\/thead>\n          <\/table>\n    <\/figure>\n\n    <figure class=\"live-table-body wp-block-table overflow-auto group-data-[show-load-more=true]:pb-4\">\n      <table>\n            <thead class=\"pointer-events-none invisible select-none leading-[0]\">\n      <tr>\n                  <th class=\"wp-block-table__cell-content !h-0 !py-0\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Accident record  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content !h-0 !py-0\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Average monthly quote  <\/div>\n<\/th>\n              <\/tr>\n    <\/thead>\n            <tbody>\n          <template data-wp-each=\"state.displayData\">\n            <tr>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.accidentType\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\"><\/td>\n                          <\/tr>\n          <\/template>\n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.accidentType\">Not At Fault<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$391<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.accidentType\">At Fault With Injury<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$398<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.accidentType\">At Fault With No Injury<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$437<\/td>\n                          <\/tr>\n          \n        <\/tbody>\n      <\/table>\n    <\/figure>\n\n      <\/div>\n\n      <div\n      class=\"block md:hidden\"\n      data-wp-init=\"callbacks.onCardCarouselInit\"\n    >\n      <div class=\"live-table-card-carousel scrollbar-width-none mx-full-bleed flex snap-x snap-mandatory scroll-pl-6 overflow-x-scroll scroll-smooth px-6\">\n        <div class=\"mx-auto flex gap-3\">\n          <template data-wp-each=\"state.displayData\">\n            <div class=\"live-table-card overflow-hidden w-72 snap-start rounded-lg border\">\n  <!-- card title -->\n      <div class=\"line-clamp-1 px-3 py-3.5 font-circular text-base font-bold text-black\" data-wp-text=\"context.item.accidentType\"><\/div>\n  \n  <!-- card content -->\n  <div class=\"relative grid grid-cols-2 font-circular text-sm [&amp;&gt;*:nth-child(4n+3)]:bg-zinc-50 [&amp;&gt;*:nth-child(4n+4)]:bg-zinc-50 before:bg-primary before:absolute before:h-[3px] before:w-full before:content-[&#039;_&#039;]\">\n      <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n    <span>Average monthly quote<\/span>\n  <\/div>\n  <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n    <span data-wp-text=\"context.item.averagePremiumAfterJerry\"><\/span>\n  <\/div>\n  <\/div>\n<\/div>\n              <\/template>\n            <div data-wp-each-child class=\"live-table-card overflow-hidden w-72 snap-start rounded-lg border\">\n  <!-- card title -->\n      <div class=\"line-clamp-1 px-3 py-3.5 font-circular text-base font-bold text-black\" data-wp-text=\"context.item.accidentType\">Not At Fault<\/div>\n  \n  <!-- card content -->\n  <div class=\"relative grid grid-cols-2 font-circular text-sm [&amp;&gt;*:nth-child(4n+3)]:bg-zinc-50 [&amp;&gt;*:nth-child(4n+4)]:bg-zinc-50 before:bg-primary before:absolute before:h-[3px] before:w-full before:content-[&#039;_&#039;]\">\n      <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n    <span>Average monthly quote<\/span>\n  <\/div>\n  <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n    <span data-wp-text=\"context.item.averagePremiumAfterJerry\">$391<\/span>\n  <\/div>\n  <\/div>\n<\/div>\n              \n            <div data-wp-each-child class=\"live-table-card overflow-hidden w-72 snap-start rounded-lg border\">\n  <!-- card title -->\n      <div class=\"line-clamp-1 px-3 py-3.5 font-circular text-base font-bold text-black\" data-wp-text=\"context.item.accidentType\">At Fault With Injury<\/div>\n  \n  <!-- card content -->\n  <div class=\"relative grid grid-cols-2 font-circular text-sm [&amp;&gt;*:nth-child(4n+3)]:bg-zinc-50 [&amp;&gt;*:nth-child(4n+4)]:bg-zinc-50 before:bg-primary before:absolute before:h-[3px] before:w-full before:content-[&#039;_&#039;]\">\n      <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n    <span>Average monthly quote<\/span>\n  <\/div>\n  <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n    <span data-wp-text=\"context.item.averagePremiumAfterJerry\">$398<\/span>\n  <\/div>\n  <\/div>\n<\/div>\n              \n            <div data-wp-each-child class=\"live-table-card overflow-hidden w-72 snap-start rounded-lg border\">\n  <!-- card title -->\n      <div class=\"line-clamp-1 px-3 py-3.5 font-circular text-base font-bold text-black\" data-wp-text=\"context.item.accidentType\">At Fault With No Injury<\/div>\n  \n  <!-- card content -->\n  <div class=\"relative grid grid-cols-2 font-circular text-sm [&amp;&gt;*:nth-child(4n+3)]:bg-zinc-50 [&amp;&gt;*:nth-child(4n+4)]:bg-zinc-50 before:bg-primary before:absolute before:h-[3px] before:w-full before:content-[&#039;_&#039;]\">\n      <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n    <span>Average monthly quote<\/span>\n  <\/div>\n  <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n    <span data-wp-text=\"context.item.averagePremiumAfterJerry\">$437<\/span>\n  <\/div>\n  <\/div>\n<\/div>\n              \n        <\/div>\n      <\/div>\n\n      <div class=\"live-table-card-carousel-indicator mt-3.5 flex flex-row items-center justify-center gap-1\">\n        <template data-wp-each=\"state.displayData\">\n          <span class=\"rounded-full size-2.5 bg-zinc-200 data-[active=true]:bg-slate-400\"><\/span>\n        <\/template>\n          <span data-wp-each-child class=\"rounded-full size-2.5 bg-zinc-200 data-[active=true]:bg-slate-400\"><\/span>\n        \n          <span data-wp-each-child class=\"rounded-full size-2.5 bg-zinc-200 data-[active=true]:bg-slate-400\"><\/span>\n        \n          <span data-wp-each-child class=\"rounded-full size-2.5 bg-zinc-200 data-[active=true]:bg-slate-400\"><\/span>\n        \n      <\/div>\n    <\/div>\n  \n  \n      <div class=\"flex flex-row my-3 gap-2 items-center font-body text-slate-500\">\n      <span class=\"iconify i--refresh text-sm\"><\/span>\n      <span class=\"text-xs\">Last Updated Dec. 11, 2025<\/span>\n    <\/div>\n  <\/div>\n\n\n\n<p class=\"has-small-font-size\"><em>Based on Jerry customers with clean records and those with one or more accidents<strong> <\/strong>who found savings in the past 18 months. Savings vary by state, coverage, driver profile and other factors.<\/em><\/p>\n\n\n<div class=\"max-md:mx-full-bleed wp-block-jerry-full-bleed\">\n  \n<div>\n<div class=\"wp-block-jerry-highlight-point-paragraph flex flex-row items-center gap-2.5 rounded-lg p-6 has-gray-pink-background-color has-background\"><span class=\"iconify i--shield-thumb-up text-primary rotate-0 text-base mt-0.5 shrink-0 self-start\"><\/span><div class=\"jerry-block-content grow text-sm\">\n<p><strong>Key takeaway:<\/strong> Even if you\u2019re not at fault, serious crashes still raise rates because insurers see these events as higher risk.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">What car insurance covers after a head-on collision<\/h2>\n\n\n\n<p>How much your car insurance pays for after a head-on crash depends on your limits and the coverages on your policy.<\/p>\n\n\n<div style=\"position: relative; width: 100%; height: 0px; padding: 119.37% 0px 0px; overflow: hidden; will-change: transform;\"><iframe credentialless loading=\"lazy\" src=\"https:\/\/e.infogram.com\/bae4f5ab-902b-4de6-819c-2ed25ee6d3dd?src=embed&amp;embed_type=responsive_iframe\" title=\"Head-on Collision Example | Jerry\" allowfullscreen=\"\" allow=\"fullscreen\" style=\"position: absolute; width: 100%; height: 100%; top: 0px; left: 0px; border: none; padding: 0px; margin: 0px;\"><\/iframe><\/div>\n\n<div class=\"max-md:mx-full-bleed wp-block-jerry-full-bleed\">\n  \n<div>\n<div class=\"wp-block-jerry-highlight-point-paragraph flex flex-row items-center gap-2.5 rounded-lg p-6 has-gray-pink-background-color has-background\"><span class=\"iconify i--plus text-primary rotate-0 text-base mt-0.5 shrink-0 self-start\"><\/span><div class=\"jerry-block-content grow text-sm\">\n<p><strong>Why it matters: <\/strong>Head-on collisions often total cars and cause major medical bills, and state minimum liability limits usually aren\u2019t enough. <strong>Consider carrying at least 100\/300\/100<\/strong> in <a href=\"\/car-insurance\/what-is-liability-car-insurance-and-what-does-it-cover\/\">liability insurance<\/a> and adding collision and comprehensive for greater financial protection.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Compare quotes after a collision with Jerry<\/h2>\n\n\n\n<p><strong>Your rates will likely go up after a collision claim<\/strong>, even if you weren\u2019t at fault. That makes it a good time to shop around and see whether another insurer can offer a better price or a coverage setup that fits your budget. The Jerry app lets you <strong>compare quotes side-by-side<\/strong>, including collision coverage, and adjust your deductible to find the right balance between out-of-pocket costs and monthly savings.<\/p>\n\n\n\n<p>Jerry works with <strong>over 50 carriers<\/strong> to compare quotes in minutes, and can shop for new rates when your policy is up for renewal.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link wp-element-button\" href=\"\/signup\">Skip the hassle. Jerry finds competitive quotes in minutes.<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">The coverage you need for financial protection<\/h2>\n\n\n\n<p>The more coverage you have, the more protected you are in case of an accident. Consider the following options for maximum protection:<\/p>\n\n\n\n<figure class=\"wp-block-table hidden md:block\"><table class=\"has-fixed-layout\"><thead><tr><th>Coverage type<\/th><th>What it covers:<\/th><th>What to consider:<\/th><\/tr><\/thead><tbody><tr><td><a href=\"\/car-insurance\/collision-insurance\/\">Collision coverage<\/a><\/td><td>Your own car\u2019s damage, including if it\u2019s totaled, regardless of fault.<\/td><td>Pick a deductible you can afford. Lower deductibles mean higher car insurance costs.<\/td><\/tr><tr><td><a href=\"\/car-insurance\/bodily-injury-liability\/\">Bodily injury liability<\/a><\/td><td>Other people\u2019s medical bills if you\u2019re at fault.<\/td><td>Limits of 100\/300 or higher.<\/td><\/tr><tr><td><a href=\"\/car-insurance\/property-damage-liability-car-insurance\/\">Property damage liability<\/a><\/td><td>Other people\u2019s car and property damage.<\/td><td>Limits of 100 or higher.<\/td><\/tr><tr><td><a href=\"\/car-insurance\/what-is-medical-payments-coverage\/\">Medical payments coverage<\/a><\/td><td>Your medical bills, no matter who\u2019s at fault.<\/td><td>Can be used to pay your health insurance deductible.<\/td><\/tr><tr><td><a href=\"\/car-insurance\/personal-injury-protection-insurance\/\">Personal injury protection<\/a><\/td><td>Your medical bills, lost wages and other expenses, no matter who\u2019s at fault.<\/td><td>PIP is only available in no-fault states, where it\u2019s also required.<\/td><\/tr><tr><td><a href=\"\/car-insurance\/uninsured-motorist-coverage\/\">Uninsured motorist coverage<\/a><\/td><td>Your own injuries and property damage if you\u2019re hit by a driver with no insurance or very low liability limits.<\/td><td>Get enough to match your bodily injury limits.<\/td><\/tr><tr><td><a href=\"\/home-insurance\/umbrella-insurance\/\">Umbrella insurance<\/a><\/td><td>Additional insurance once your car insurance liability limits are hit.<\/td><td>Worth it if you have over $1 million in assets to protect.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n  <div\n    class=\"block md:hidden\"\n    data-wp-interactive=\"jerry\/blocks-core\/table\"\n    data-wp-init=\"callbacks.onCardCarouselInit\"\n  >\n    <div class=\"core-table-card-carousel scrollbar-width-none mx-full-bleed flex snap-x snap-mandatory scroll-pl-6 overflow-x-scroll scroll-smooth px-6\">\n      <div class=\"mx-auto flex gap-3\">\n                  <div class=\"core-table-card overflow-hidden w-72 snap-start rounded-lg border\"><!-- card title -->\n      <div class=\"line-clamp-1 px-3 py-3.5 font-circular text-base font-bold text-black\">\n      <a href=\"\/car-insurance\/collision-insurance\/\">Collision coverage<\/a>    <\/div>\n  \n  <!-- card content -->\n  <div class=\"relative grid grid-cols-2 font-circular text-sm [&amp;&gt;*:nth-child(4n+3)]:bg-zinc-50 [&amp;&gt;*:nth-child(4n+4)]:bg-zinc-50 before:bg-primary before:absolute before:h-[3px] before:w-full before:content-[&#039;_&#039;]\">\n                      <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n        What it covers:      <\/div>\n      <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n        Your own car\u2019s damage, including if it\u2019s totaled, regardless of fault.      <\/div>\n                <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n        What to consider:      <\/div>\n      <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n        Pick a deductible you can afford. Lower deductibles mean higher car insurance costs.      <\/div>\n      <\/div>\n<\/div>\n                      <div class=\"core-table-card overflow-hidden w-72 snap-start rounded-lg border\"><!-- card title -->\n      <div class=\"line-clamp-1 px-3 py-3.5 font-circular text-base font-bold text-black\">\n      <a href=\"\/car-insurance\/bodily-injury-liability\/\">Bodily injury liability<\/a>    <\/div>\n  \n  <!-- card content -->\n  <div class=\"relative grid grid-cols-2 font-circular text-sm [&amp;&gt;*:nth-child(4n+3)]:bg-zinc-50 [&amp;&gt;*:nth-child(4n+4)]:bg-zinc-50 before:bg-primary before:absolute before:h-[3px] before:w-full before:content-[&#039;_&#039;]\">\n                      <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n        What it covers:      <\/div>\n      <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n        Other people\u2019s medical bills if you\u2019re at fault.      <\/div>\n                <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n        What to consider:      <\/div>\n      <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n        Limits of 100\/300 or higher.      <\/div>\n      <\/div>\n<\/div>\n                      <div class=\"core-table-card overflow-hidden w-72 snap-start rounded-lg border\"><!-- card title -->\n      <div class=\"line-clamp-1 px-3 py-3.5 font-circular text-base font-bold text-black\">\n      <a href=\"\/car-insurance\/property-damage-liability-car-insurance\/\">Property damage liability<\/a>    <\/div>\n  \n  <!-- card content -->\n  <div class=\"relative grid grid-cols-2 font-circular text-sm [&amp;&gt;*:nth-child(4n+3)]:bg-zinc-50 [&amp;&gt;*:nth-child(4n+4)]:bg-zinc-50 before:bg-primary before:absolute before:h-[3px] before:w-full before:content-[&#039;_&#039;]\">\n                      <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n        What it covers:      <\/div>\n      <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n        Other people\u2019s car and property damage.      <\/div>\n                <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n        What to consider:      <\/div>\n      <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n        Limits of 100 or higher.      <\/div>\n      <\/div>\n<\/div>\n                      <div class=\"core-table-card overflow-hidden w-72 snap-start rounded-lg border\"><!-- card title -->\n      <div class=\"line-clamp-1 px-3 py-3.5 font-circular text-base font-bold text-black\">\n      <a href=\"\/car-insurance\/what-is-medical-payments-coverage\/\">Medical payments coverage<\/a>    <\/div>\n  \n  <!-- card content -->\n  <div class=\"relative grid grid-cols-2 font-circular text-sm [&amp;&gt;*:nth-child(4n+3)]:bg-zinc-50 [&amp;&gt;*:nth-child(4n+4)]:bg-zinc-50 before:bg-primary before:absolute before:h-[3px] before:w-full before:content-[&#039;_&#039;]\">\n                      <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n        What it covers:      <\/div>\n      <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n        Your medical bills, no matter who\u2019s at fault.      <\/div>\n                <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n        What to consider:      <\/div>\n      <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n        Can be used to pay your health insurance deductible.      <\/div>\n      <\/div>\n<\/div>\n                      <div class=\"core-table-card overflow-hidden w-72 snap-start rounded-lg border\"><!-- card title -->\n      <div class=\"line-clamp-1 px-3 py-3.5 font-circular text-base font-bold text-black\">\n      <a href=\"\/car-insurance\/personal-injury-protection-insurance\/\">Personal injury protection<\/a>    <\/div>\n  \n  <!-- card content -->\n  <div class=\"relative grid grid-cols-2 font-circular text-sm [&amp;&gt;*:nth-child(4n+3)]:bg-zinc-50 [&amp;&gt;*:nth-child(4n+4)]:bg-zinc-50 before:bg-primary before:absolute before:h-[3px] before:w-full before:content-[&#039;_&#039;]\">\n                      <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n        What it covers:      <\/div>\n      <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n        Your medical bills, lost wages and other expenses, no matter who\u2019s at fault.      <\/div>\n                <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n        What to consider:      <\/div>\n      <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n        PIP is only available in no-fault states, where it\u2019s also required.      <\/div>\n      <\/div>\n<\/div>\n                      <div class=\"core-table-card overflow-hidden w-72 snap-start rounded-lg border\"><!-- card title -->\n      <div class=\"line-clamp-1 px-3 py-3.5 font-circular text-base font-bold text-black\">\n      <a href=\"\/car-insurance\/uninsured-motorist-coverage\/\">Uninsured motorist coverage<\/a>    <\/div>\n  \n  <!-- card content -->\n  <div class=\"relative grid grid-cols-2 font-circular text-sm [&amp;&gt;*:nth-child(4n+3)]:bg-zinc-50 [&amp;&gt;*:nth-child(4n+4)]:bg-zinc-50 before:bg-primary before:absolute before:h-[3px] before:w-full before:content-[&#039;_&#039;]\">\n                      <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n        What it covers:      <\/div>\n      <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n        Your own injuries and property damage if you\u2019re hit by a driver with no insurance or very low liability limits.      <\/div>\n                <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n        What to consider:      <\/div>\n      <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n        Get enough to match your bodily injury limits.      <\/div>\n      <\/div>\n<\/div>\n                      <div class=\"core-table-card overflow-hidden w-72 snap-start rounded-lg border\"><!-- card title -->\n      <div class=\"line-clamp-1 px-3 py-3.5 font-circular text-base font-bold text-black\">\n      <a href=\"\/home-insurance\/umbrella-insurance\/\">Umbrella insurance<\/a>    <\/div>\n  \n  <!-- card content -->\n  <div class=\"relative grid grid-cols-2 font-circular text-sm [&amp;&gt;*:nth-child(4n+3)]:bg-zinc-50 [&amp;&gt;*:nth-child(4n+4)]:bg-zinc-50 before:bg-primary before:absolute before:h-[3px] before:w-full before:content-[&#039;_&#039;]\">\n                      <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n        What it covers:      <\/div>\n      <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n        Additional insurance once your car insurance liability limits are hit.      <\/div>\n                <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n        What to consider:      <\/div>\n      <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n        Worth it if you have over $1 million in assets to protect.      <\/div>\n      <\/div>\n<\/div>\n                  <\/div>\n    <\/div>\n\n    <div class=\"core-table-card-carousel-indicator mt-3.5 flex flex-row items-center justify-center gap-1\">\n              <span class=\"rounded-full size-2.5 bg-zinc-200 data-[active=true]:bg-slate-400\"><\/span>\n              <span class=\"rounded-full size-2.5 bg-zinc-200 data-[active=true]:bg-slate-400\"><\/span>\n              <span class=\"rounded-full size-2.5 bg-zinc-200 data-[active=true]:bg-slate-400\"><\/span>\n              <span class=\"rounded-full size-2.5 bg-zinc-200 data-[active=true]:bg-slate-400\"><\/span>\n              <span class=\"rounded-full size-2.5 bg-zinc-200 data-[active=true]:bg-slate-400\"><\/span>\n              <span class=\"rounded-full size-2.5 bg-zinc-200 data-[active=true]:bg-slate-400\"><\/span>\n              <span class=\"rounded-full size-2.5 bg-zinc-200 data-[active=true]:bg-slate-400\"><\/span>\n          <\/div>\n  <\/div>\n\n  \n\n<div class=\"max-md:mx-full-bleed wp-block-jerry-full-bleed\">\n  \n<div>\n<div class=\"wp-block-jerry-highlight-point-paragraph flex flex-row items-center gap-2.5 rounded-lg p-6 has-gray-pink-background-color has-background\"><span class=\"iconify i--shield-check-border text-primary rotate-0 text-base mt-0.5 shrink-0 self-start\"><\/span><div class=\"jerry-block-content grow text-sm\">\n<p><strong>Jerry recommends:<\/strong> If you\u2019ve recently been in a head-on collision, it\u2019s a good idea to shop for new quotes, as your current insurer will likely raise your rates anyway. You can <strong>quickly compare quotes side-by-side in the Jerry app<\/strong>.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-button-primary\"><a class=\"wp-block-button__link has-system-sans-serif-font-family has-medium-font-size has-custom-font-size wp-element-button\" href=\"\/signup\">Compare quotes with Jerry<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">What to do after a head-on collision<\/h2>\n\n\n\n<p>A crash this severe can be chaotic, but a few key steps can protect your health, your insurance claim and your finances.<\/p>\n\n\n\n<div class=\"wp-block-group has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:1.5rem;background-color:#f5f5f5;padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--40)\">\n<p>\u2705 <strong>Get medical attention immediately<\/strong>, even if you feel fine. Adrenaline can mask injuries.<\/p>\n\n\n\n<p>\ud83d\udcde <strong>Call 911<\/strong> so there&#8217;s an official police report.<\/p>\n\n\n\n<p>\ud83d\udcf8 <strong>Document the scene.<\/strong> Get photos, note road conditions and take down witness information.<\/p>\n\n\n\n<p>\ud83d\udd04 <strong>Exchange insurance and contact details<\/strong> with the other driver.<\/p>\n\n\n\n<p>\ud83d\udcdd <strong>Contact your insurer promptly<\/strong> to start a claim and do not admit fault.<\/p>\n<\/div>\n\n\n<div class=\"max-md:mx-full-bleed wp-block-jerry-full-bleed\">\n  \n<div>\n<div class=\"wp-block-jerry-highlight-point-paragraph flex flex-row items-center gap-2.5 rounded-lg p-6 has-gray-pink-background-color has-background\"><span class=\"iconify i--plus text-primary rotate-0 text-base mt-0.5 shrink-0 self-start\"><\/span><div class=\"jerry-block-content grow text-sm\">\n<p><strong>Why it matters: <\/strong>Head-on collisions often lead to lawsuits, so <strong>documentation is important<\/strong>. Keep records of medical bills and repairs, avoid admitting fault and consider legal help if there are major injuries or disputes.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">How to prevent a head-on collision<\/h2>\n\n\n\n<p>Head-on collisions are most common on <strong>rural two-lane roads<\/strong>, where unsafe passing and fatigue can turn dangerous fast.<\/p>\n\n\n\n<p><strong>Here are some practical ways to reduce your risk of a head-on collision:&nbsp;<\/strong><\/p>\n\n\n\n<div class=\"wp-block-group has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:1.5rem;background-color:#f5f5f5;padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--40)\">\n<p>\ud83d\ude97 Stay in your lane and avoid aggressive passing.<\/p>\n\n\n\n<p>\ud83c\udf27\ufe0f Slow down in bad weather or low visibility.<\/p>\n\n\n\n<p>\ud83d\udeab Never drive impaired.<\/p>\n\n\n\n<p>\ud83d\udcf5 Put the phone away.<\/p>\n\n\n\n<p>\ud83d\ude34 Pull over if you&#8217;re sleepy. Tired driving is just as dangerous as drunk driving.<\/p>\n\n\n\n<p>\ud83d\udc40 Check for oncoming traffic before turning or passing.<\/p>\n<\/div>\n\n\n<div class=\"max-md:mx-full-bleed wp-block-jerry-full-bleed\">\n  \n<div>\n<div class=\"wp-block-jerry-highlight-point-paragraph flex flex-row items-center gap-2.5 rounded-lg p-6 has-gray-pink-background-color has-background\"><span class=\"iconify i--shield-thumb-up text-primary rotate-0 text-base mt-0.5 shrink-0 self-start\"><\/span><div class=\"jerry-block-content grow text-sm\">\n<p><strong>Key takeaway:<\/strong> Many insurers offer <a href=\"\/car-insurance\/car-insurance-discounts\/\">discounts<\/a> for completing defensive driving courses that teach head-on collision avoidance techniques.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n<div class=\"max-md:mx-full-bleed wp-block-jerry-full-bleed\">\n  \n<div>\n<div class=\"wp-block-cover is-style-md-rounded-3xl has-aspect-ratio\" style=\"padding-right:var(--wp--preset--spacing--40);padding-left:var(--wp--preset--spacing--40);min-height:160px;aspect-ratio:5\/2;min-height:unset;\"><img loading=\"lazy\" decoding=\"async\" width=\"620\" height=\"414\" class=\"wp-block-cover__image-background wp-image-67864 size-full\" alt=\"\" src=\"https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/lifestyle3.png\" style=\"object-position:51% 71%\" data-object-fit=\"cover\" data-object-position=\"51% 71%\" srcset=\"https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/lifestyle3.png 620w, https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/lifestyle3-300x200.png 300w, https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/lifestyle3-400x267.png 400w, https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/lifestyle3-84x56.png 84w, https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/lifestyle3-374x250.png 374w\" sizes=\"auto, (max-width: 620px) 100vw, 620px\" fetchpriority=\"low\"\/><span aria-hidden=\"true\" class=\"wp-block-cover__background has-black-background-color has-background-dim-40 has-background-dim\"><\/span><div class=\"wp-block-cover__inner-container is-layout-flow wp-block-cover-is-layout-flow\">\n<p class=\"has-text-align-center has-white-color has-text-color has-link-color wp-elements-2adf0f3b3da763c637f1a27c4a8fb322\" style=\"font-size:clamp(17.371px, 1.086rem + ((1vw - 3.2px) * 0.752), 27px);\"><strong>It only takes 2 minutes to sign up at Jerry.<\/strong><\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-system-sans-serif-font-family has-medium-font-size has-custom-font-size wp-element-button\" href=\"\/signup\">Compare quotes<\/a><\/div>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"!mbs-12 !mbe-12 wp-block-jerry-faqs\">\n  <!-- Title -->\n    <h2 class=\"medium-title text-black mb-1.5 pt-12 uppercase\">\n    FAQ  <\/h2>\n  \n  <!-- Accordion -->\n  \n<div class=\"max-w-screen-lg my-6 [&amp;_li:last-child]:border-b-0\">\n<ul class=\"wp-block-jerry-accordion\">\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        \u2696\ufe0f <strong>Who&#8217;s usually at fault?<\/strong>      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>Typically, the driver who crosses the center line is <a href=\"\/car-insurance\/at-fault-states\/\">at fault<\/a>, but <strong>fault can be shared<\/strong> based on speed, impairment or road conditions.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        \ud83d\udee1\ufe0f <strong>Will my insurance cover damage to my car if I&#8217;m at fault?<\/strong>      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>Yes, if you have collision coverage. Your insurer pays for repairs, minus your <a href=\"\/car-insurance\/car-insurance-deductible\/\">deductible<\/a>.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        \ud83d\udc68\u200d\u2696\ufe0f <strong>Should I hire a lawyer?<\/strong>      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>Consider it if there are <strong>serious injuries, disputed liability or inadequate coverage<\/strong>. These crashes often involve complex legal claims.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        \ud83d\udcc5 <strong>How long will a head-on collision stay on my insurance record?<\/strong>      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>Most insurers look back <strong>3-5 years<\/strong> when calculating your rates, though this varies by state and carrier. After that period, the accident typically stops affecting your premiums.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        \ud83d\udeab <strong>What if the other driver doesn&#8217;t have insurance?<\/strong>      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>If the at-fault driver is uninsured or underinsured, your own <strong>uninsured\/underinsured motorist coverage<\/strong> kicks in to cover your injuries and damages. This is why it&#8217;s important to carry UM\/UIM coverage and ensure it matches your bodily injury limits.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        \u26a0\ufe0f <strong>Can my claim be denied after a head-on collision?<\/strong>      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>Yes, claims can be denied if your policy lapsed, you were driving under the influence or you don&#8217;t have the right coverage. Claims can also be delayed if liability is disputed. That&#8217;s why <strong>documenting the scene and getting a police report<\/strong> is so important.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n<\/ul>\n<\/div>\n\n  <!-- Contact link -->\n  <\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.<\/p>\n\n\n\n<div class=\"wp-block-jerry-meet-experts\" data-wp-interactive=\"jerry\/meet-experts\" data-wp-context=\"{&quot;modalVisible&quot;:false}\">\n  <div class=\"font-circular text-2xl font-extrabold text-slate-900\">Expert-driven. Built for you.<\/div>\n\n  <div class=\"my-3\">\n    <div class=\"flex justify-between items-center py-3 border-b border-neutral-200 cursor-pointer font-semibold text-gray-900\" data-wp-on-async--click=\"actions.toggleModal\">\n  <button class=\"text-left text-base\" type=\"button\">\n    Why you can count on Jerry&#8217;s articles  <\/button>\n\n  <div class=\"transition data-[visible=true]:md:rotate-180 text-xs iconify i--chevron-down text-gray-500\" data-wp-bind--data-visible=\"context.modalVisible\"><\/div>\n<\/div>\n<div class=\"modal-backdrop fixed bottom-0 left-0 right-0 top-0 z-50 overflow-hidden overscroll-contain bg-black\/70 font-body transition-transform delay-100 duration-0 md:relative md:z-auto [&amp;:not([data-visible=true])]:translate-y-full [&amp;:not([data-visible=true])]:bg-black\/0 [&amp;:not([data-visible=true])]:md:hidden\" data-wp-init=\"callbacks.onModalInit\" data-wp-on-async--click=\"actions.hideModal\" data-wp-bind--data-visible=\"context.modalVisible\">\n  <div class=\"modal-view fixed bottom-0 left-0 right-0 flex max-h-[75%] w-full flex-col rounded-t-3xl bg-white pb-7 pl-7 pt-3.5 transition md:relative md:rounded-none md:pl-0 md:transition-none [&amp;:not([data-visible=true])]:translate-y-full [&amp;:not([data-visible=true])]:md:hidden\" data-wp-bind--data-visible=\"context.modalVisible\">\n    <div class=\"modal-header md:hidden flex justify-between items-center pb-1 mb-1 border-b border-zinc-200\">\n      <div class=\"modal-title text-base font-semibold\">Summary<\/div>\n\n      <div\n        class=\"modal-close-btn wp-block-group w-11 h-11 mr-2.5 content-center text-center\"\n        data-wp-on-async--click=\"actions.hideModal\"\n      >\n        <div class=\"iconify i--close text-gray-500 cursor-pointer\"><\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"modal-body pr-7 overflow-y-auto\"><div class=\"wp-block-template-part\"><div class=\"flex flex-row items-center gap-2.5 rounded-lg bg-gray-pink px-4 py-5\">\n  <span class=\"iconify mt-0.5 shrink-0 self-start text-xs text-primary i--shield-check\"><\/span>\n\n  <div>\n    <div class=\"font-body text-xs font-bold text-primary\">Our goal is clear, trustworthy information.<\/div>\n    <div class=\"mt-1 font-body text-xs text-gray-600\">\n      Our content is created, edited and fact checked by a team of licensed insurance agents, automotive pros and\n      experienced journalists who know the industry inside and out. Facts are thoroughly researched, verified and kept\n      current, and our editorial team is separate from our business partners, so our opinions &#038; tips are unbiased. All\n      insights drawn from Jerry\u2019s proprietary, aggregated customer auto insurance quotes data provide unique, real-world\n      guidance.\n    <\/div>\n  <\/div>\n<\/div>\n<\/div><\/div>\n  <\/div>\n<\/div>\n  <\/div>\n\n  <div class=\"text-base font-semibold text-gray-900\">Our experts<\/div>\n\n  <div class=\"my-8 flex flex-col gap-8 items-center justify-center\">\n          <div\n        class=\"meet-experts-item group relative flex h-auto w-full flex-none flex-col justify-between overflow-hidden rounded-3xl py-9 text-sm shadow-variant-card\"\n        data-expand=\"false\"\n        data-wp-init=\"callbacks.onItemInit\"\n      >\n        <div class=\"grid h-full w-full grid-cols-1 overflow-hidden px-8 md:grid-cols-4\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"250\" src=\"\/wp-content\/uploads\/2025\/02\/Ben-Moore.png\" class=\"size-16 rounded-full md:size-32 col-span-1 md:ml-4\" alt=\"meet-experts-thumbnail\" srcset=\"\/wp-content\/uploads\/2025\/02\/Ben-Moore.png 250w, \/wp-content\/uploads\/2025\/02\/Ben-Moore-150x150.png 150w, \/wp-content\/uploads\/2025\/02\/Ben-Moore-56x56.png 56w, \/wp-content\/uploads\/2025\/02\/Ben-Moore-120x120.png 120w\" sizes=\"auto, (max-width: 346px) 260px, (max-width: 576px) 432px, (max-width: 720px) 540px, (min-width: 720px) 250px, 100vw\" fetchpriority=\"low\"\/>\n          <div class=\"col-span-3\">\n            <div class=\"my-4 flex-1 content-center font-circular text-lg font-medium text-slate-900 md:mt-0\">\n              Ben Moore            <\/div>\n\n            \n            <div class=\"text-slate-500 mt-2 leading-6\">\n              <p>Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet&rsquo;s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.<\/p>\n<p>Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela&rsquo;s, H&amp;R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.<\/p>            <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"absolute hidden group-data-[expand=true]:flex bottom-0 w-full h-24 bg-gradient-to-t from-white from-30% to-transparent to-100% items-end justify-center\">\n          <div\n            class=\"flex cursor-pointer flex-row items-center gap-2 my-4 font-circular text-primary\"\n            data-wp-on-async--click=\"actions.onItemExpandClick\"\n          >\n            <span class=\"text-sm\">See more<\/span>\n            <span class=\"iconify i--chevron-down text-xs\"><\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n      <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>A head-on collision involves two vehicles hitting each other in the front. They are extremely dangerous and can also cause your car insurance rates to spike.<\/p>\n","protected":false},"author":19,"featured_media":71944,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"wp-custom-template-single-car-insurance-beta","meta":{"jerry_authors":"[{\"id\":\"366\",\"type\":\"main-author\"},{\"id\":\"115\",\"type\":\"editor\"},{\"id\":\"187\",\"type\":\"reviewer\"}]","jerry_author_ids":[366],"jerry_idx_page_label":"","jerry_meta_desc":"A head-on collision involves two vehicles hitting each other in the front. They are extremely dangerous and can also cause your car insurance rates to spike.","jerry_related_posts":"[29507,32969,31454,2105,46846]","jerry_summary":"","inline_featured_image":false,"_lmt_disableupdate":"no","_lmt_disable":"","footnotes":"[]"},"categories":[],"tags":[31,619],"class_list":["post-4402","car-insurance","type-car-insurance","status-publish","has-post-thumbnail","hentry","tag-car-insurance","tag-resource_car_insurance"],"_links":{"self":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/4402","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance"}],"about":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/types\/car-insurance"}],"author":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/users\/19"}],"replies":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/comments?post=4402"}],"version-history":[{"count":14,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/4402\/revisions"}],"predecessor-version":[{"id":72014,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/4402\/revisions\/72014"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/media\/71944"}],"wp:attachment":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/media?parent=4402"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/categories?post=4402"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/tags?post=4402"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}