AI prompt to explain auto coverages (collision, comprehensive, UM/UIM)
Clients rarely read their policies, and confusing terms lead to surprises at claim time. Plain-English explanations build trust and help prevent misunderstandings. AI turns policy language into short, clear explanations you can edit.
Below is a ready-to-copy prompt to explain auto coverages (collision, comprehensive, UM/UIM), a detailed version that asks you clarifying questions first, and 3 specialized AI tools (Synthesia, Lumen5 and Descript) with instructions for this task. It also works in ChatGPT, Claude, Gemini or Copilot.
The prompt
Explain collision, comprehensive, uninsured/underinsured motorist, and medical payments/PIP coverage in plain English with one example each. Note that availability and requirements vary by state. Under 250 words.
Detailed version (asks clarifying questions first)
Act as an experienced assistant to a licensed insurance agent. Before answering, ask me up to 3 clarifying questions (the type of policy, who the explanation is for, and whether you want an email, handout or script). Then complete this task, and finish with a short checklist of statements I should verify with my compliance team. Task: Explain collision, comprehensive, uninsured/underinsured motorist, and medical payments/PIP coverage in plain English with one example each. Note that availability and requirements vary by state. Under 250 words.
What a good result looks like
A good explanation covers each auto coverage in one or two plain sentences with an everyday example: collision for hitting something, comprehensive for theft, hail or animals, uninsured/underinsured motorist for drivers without enough insurance, and medical payments or PIP for injuries. It notes that requirements vary by state.
Common mistakes and watch-outs
Don't say a coverage is required or available without checking the state; PIP and UM rules differ widely. Avoid 'full coverage', which means different things to different people. Check the client's declarations before applying examples to them.
How to adapt the prompt
Ask for a one-page handout, a version for new drivers, or a short video script. Grammarly can help tighten it for a text.
Auto coverages in plain English - Collision: damage to your car when you hit another car or object. Example: you back into a pole. - Comprehensive: damage from things like theft, hail, fire or hitting a deer. - Uninsured/underinsured motorist: helps if a driver without enough insurance hits you. - Medical payments/PIP: helps with medical bills after an accident, depending on your state. What's required and available depends on your state. Ask [Agent Name] to review your policy.
How to use it
- Copy the prompt. Copy the short prompt above, or the detailed version if you want the AI to ask clarifying questions first.
- Add your details. Add the details for your situation (line of business, audience, tone). Keep it de-identified; never paste client personal information.
- Run it in the right tool. Paste it into ChatGPT, Claude, Gemini or Copilot, or use Synthesia, Lumen5 and Descript as described below.
- Review before you use it. Coverage depends on the actual policy form, state and carrier; tell clients to check their own policy. Check every fact, name and number yourself.
- Take the next step. Next, see: Make a short explainer video.
Best AI tools for this task
Specialized tools first, ordered by fit for this task (never by payout), then any general AI assistant.
Synthesia site ↗
AI video platform for creating presenter-style explainer and training videos.
Suggested from the related task Make a short explainer video.
Paste the script into Synthesia and generate a presenter-style explainer video.
Lumen5 site ↗
AI video creation platform that turns text into short marketing videos.
Suggested from the related task Make a short explainer video.
Turn the blog post/script into a short video with Lumen5.
Descript site ↗
AI audio and video editor that edits media by editing the transcript.
Suggested from the related task Make a short explainer video.
Record yourself reading the script and edit by editing the transcript in Descript.
Any AI assistant
ChatGPT Claude Google Gemini Microsoft Copilot
Paste the prompt above (short or detailed) into any of these.
Before you use it
- Coverage depends on the actual policy form, state and carrier; tell clients to check their own policy.
- Never paste client personal information (names, policy numbers, health or financial details) into AI tools your agency hasn't approved.
- Review every AI output for accuracy and compliance before you use it.
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