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What is Auto Insurance?

Auto insurance is designed to protect you against unexpected financial loss. It helps to pay for damages and injuries from car accidents.

Types of Auto Insurance Coverage:

  • Bodily Injury Liability
    It covers medical bills, lost wages/income, pain and suffering, funeral expenses, and legal costs. This type of coverage is required in most states.
  • Property Damage Liability
    This type of insurance covers any property damage you caused with your vehicle. This includes vehicles, buildings, fences, etc. This type of coverage is required in most states.
  • Collision
    This type of auto insurance coverage pays for damage to your car as a result of a collision with another vehicle. Collision insurance is optional unless your auto is financed (the lender will require you to have this). If you are at fault, this coverage will reimburse you for cost of fixing your car (after paying the deductible). If you are not at fault, this coverage will seek reimbursement from the other driver's insurance company.
  • Comprehensive
    This coverage protects you for losses due to hazards not caused by a collision with another vehicle. This includes damages that are the result of theft, vandalism, fires, falling objects, earthquakes, storms, or contact with animals. Comprehensive coverage is optional in all states. Comprehensive insurance is optional unless your auto is financed (the lender will require you to have this).

Why Do I Need Auto Insurance?

A minimum amount of auto insurance is required in most states. The key word here is minimum. This may not cover all expenses or liability you have from an auto accident. The main reason you want auto insurance is you cannot predict the future – auto accidents occur every 18 seconds in the U.S.A.

How to Save Money On Auto Insurance?

Generally, to save on car insurance you will want to review your auto insurance annually. You can also purchase multiple policies from the same insurer to get a better rate. Your employer, various professional groups, and community organization may receive discounts from insurers. Maintaining your credit score may also help reduce your rates. Statistics show a driver with better credit scores make fewer insurance claims.

What is the Coverage I Need to Purchase?

Minimum coverage required varies state by state. Consider buying more coverage than minimally required by the state. State minimum requirements are very low and may not give you enough coverage.

What Happens If My Liability Is Greater Than the Coverage of My Auto Insurance?

Unfortunately, your insurance will only pay the maximum amount on your policy. If the accident is one that you caused, your insurance will only pay the bodily injury limit to settle a lawsuit. Consider buying an umbrella policy to further protect yourself.

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