Auto insurance coverage is important not just to have but also to understand as well.
First thing about auto insurance is that almost all states require drivers to have come coverage. It is a legal obligation that everyone must comply. Driving without auto insurance coverage will end you up paying huge amount of fines or some time in jai. Going against the state law of being insured before driving can also lead to the confiscation of your license.
Recently a law has been passed to act upon the growing numbers of drivers without auto insurance policies. Now police officials are allowed to tow the vehicles of any driver who violated any traffic rules and was found out to be driving without insurance. This is another possibility that you may experience when you dared driving without any insurance coverage.
Another basic thing about auto insurance is that there are several types of coverage that auto insurance providers can offer you. Liability coverage is among the most common type of insurance coverage. This is what most states require their drivers to have. This coverage includes Bodily Injury Liability and Property Damage Liability. The former answers the costs of treating injuries you caused to other people in an accident while the latter covers the expenses for any damage the accidents inflicted to other’s properties.
Liability coverage does not cover the damages and injuries you will get in an accident. The Comprehensive and Collision coverage are the types that will take care of you and your property. Collision will cover the damages your car will get in an accident regardless of whose fault it is. Comprehensive on the other hand covers your car loss or damages from any other causes aside from collision. In case your car has been damaged by natural disasters, theft or vandalism Comprehensive insurance is the one that will help you.
There are also medical coverage that will pay for your medical bills once caught in an accident like the Personal Injury Protection. This coverage can protect you and the passengers you are with when an accident happened. All your medical expenses associated with the accident will be answered by this insurance coverage.
These are just some of the many types of coverage you can get from your insurance provider. Just a quick reminder: you do not need all the types of coverage. You just have to carefully assess your needs and get what can address them.
