Auto Insurance Basics

What Is It?

Auto insurance is insurance that can protect you against various risks involved in owning a car.

For example, in case of a car accident, people may be injured, and vehicles or other property may be damaged.

It can also protect you against other risks, for example: damage that is the result of theft, vandalism, or natural disasters.

What types of coverage exist?

The basic types of auto insurance coverage include:

• Bodily Injury Liability
  Pays your legal defense costs and claims against you if your car injures or kills someone. Covers family members living with you and others driving with your permission.

• Property Damage Liability
  Pays your legal defense costs and claims against you if your car damages another's property. Does not cover your property, including your auto.

• Medical Payments or Personal Injury Protection
  Pays medical expenses resulting from an accident for you and others riding in your car. Also pays for you or your family members injured while riding in another's car or while walking.

• Collision
  Pays for repairs of damage to your car caused by a collision with another vehicle or any other object, regardless of who was responsible.

• Comprehensive Physical Damage
  Pays for damages to your car resulting from theft, fire, hail, vandalism, or a variety of other causes.

• Uninsured or Underinsured Motorist
  Pays for costs related to injuries or property damage to you or your family members and guests in your car caused by an uninsured, underinsured, or hit-and-run driver.

Why Do You Need It?

Auto insurance can help you comply with the requirement of being financially responsible while driving a car.

State Law often requires the purchase of a minimum amount of auto insurance.

However, it may be wise to purchase auto insurance that goes beyond the absolute legal minimum.

This could help protect the investment in your car, pay for medical expenses, and cover legal liabilities.

How Can We Help?

We make it easy to compare auto insurance quotes from several top rated companies nationwide.

This helps you find the policy that best suits your personal and financial circumstances!