Auto Insurance Information for Drivers
Auto insurance is important for several reasons. First, it is required by law in order to legally drive on public streets. Second, it helps pay for repairs when your car needs it and helps protect you against liability from an accident. Not all policies are the same, so it is important to choose a policy that best serves your needs. Everyone who owns a car needs this coverage.
How it Works
This type of policy will pay for damages that you cause to someone else during an accident. Some policies also pay for damage to your car, depending on the type of coverage you have. When you have an accident, simply notify your insurance company and make a claim. If you are responsible for the accident, then the insurer will work with that driver’s insurer to pay the claim. If your vehicle is damaged and has a policy that will pay for it, then your insurer will provide you a check for the damage or pay the repair bill from an approved repair shop.
There are different types of policies for automobiles. Liability is the most important because you must have liability if you have nothing else. This pays for damages you cause in an accident that is your fault. And it is required by law. Collision pays for damages to your car caused by a crash, and comprehensive covers non-collision damage caused by things such as vandalism and theft.
Auto insurance is required by law. Driving without it puts you at risk for being fined if you are stopped for any reason. You also will have no help paying expenses should you get into an accident.