Car insurance glossary
What is insurance underwriting?
Insurance underwriting is the process an insurer uses to decide whether it will offer or continue coverage and on what permitted terms.
Also called: auto underwriting
Glossary date: June 15, 2026
How it works
The insurer reviews application details and other allowed information about drivers, vehicles, use, location, and loss history. Rules differ by state and company.
Example
An insurer verifies driving records and vehicle information before finalizing a quote and issuing the policy.
Why it matters
Missing or inaccurate information can change the price, eligibility, or treatment of a later claim.
What to check on your policy
Answer application questions accurately and review all listed drivers, vehicles, addresses, use, mileage, and prior coverage.
Related car insurance terms
Put the terms into context
Read the full guide, find a nearby GoAuto office, or start a quote with the coverage details you want to discuss.