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Everyone with a Vehicle Needs Insurance

Everyone with a vehicle needs auto insuranceAlmost every state requires you to have auto liability insurance before you can legally drive a car. All states, however, have financial responsibility laws. This means that either you must purchase a minimum amount of liability insurance or prove that you have set aside enough money to pay for the damage you may cause in an accident.

Your auto insurance policy consists of different types of coverage. Some may be required by law. Others, such as comprehensive and collision, may be optional.

Coverages available or required include:

  1. Bodily injury liability, for injuries you cause someone else.
  2. Medical payments and/or Personal Injury Protection (PIP), for treatment of injuries to you and your passengers.
  3. Property damage liability, for damage you cause to someone else's property.
  4. Collision, for damage to your car from a collision.
  5. Comprehensive, for damage to your car not involving a collision (including damage from fire, earthquakes, floods, riots, explosions) and theft.
  6. Uninsured motorists, for costs resulting from an accident involving a hit-and-run driver or a driver who does not have insurance.

Here are some tips on how you can save on your auto insurance! -> Read More