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What Is Auto Insurance?

Automobile insurance is a contract that helps pay for certain types of financial losses or obligations resulting from the use of or ownership of an automobile. You pay a premium, a specified amount of money, each policy period–a month, a quarter, six months, or a year. In return, your insurance company agrees to pay certain expenses and legal liabilities, depending on the terms of your contract, in case of a collision. By paying premiums, you transfer the risks involved to the insurance company.

Why Do You Need Auto Insurance?

Unfortunately auto accidents happen no matter how great of a driver you might be. Making sure you are covered by an auto insurance carrier will not only help cover most of the costs to repair your vehicle but medical costs as well. In addition, having protection against financial disaster is vital just in case you should case damage to other automobiles and injury to other people.

Types of Auto Insurance Coverage

-Bodily Injury Liability Coverage: This protects you from bodily injury or death resulting from an accident when you are at fault. Additionally, in some cases it may even pay for legal defense.

-Property Damage Liability Coverage: This protects you if you cause an accident where another person’s property is damaged. Legal fees may also be covered.

-Medical Payments, No Fault or Personal Injury Coverage: Medical expenses resulting from auto accidents alone can be overwhelming. No fault or personal injury coverage can help pay for medical expenses resulting from an accident regardless of fault.

-Uninsured Motorist Coverage: This type of insurance usually pays for injuries and may pay for property damage in the event of an uninsured or a hit-and-run driver.

-Underinsured Motorist Coverage: This will help protect you if the driver that causes damage or injury is at fault and has insufficient insurance.

-Comprehensive Physical Damage Coverage: Helps pay for any damage to your car resulting from theft, vandalism, fire, flood, and more.

-Collision Coverage: Helps pay for any damage to your car if it hits or is hit by another object.

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