Why you should buy Auto Insurance

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If you cause an automobile accident, you may be responsible for the losses of the other people involved. A claim may be made or a lawsuit filed against you for these losses. You may have to pay for the property damage you cause, and for the medical expenses, lost wages, and the pain and suffering of any injured person. If you do not have any insurance, your money, property and other assets may be taken to pay for these losses. Automobile liability insurance will help protect you so that this does not happen. Liability insurance also pays for a lawyer to defend you against any claim or lawsuit. You can also buy insurance to cover your injuries or damage to your automobile. These optional coverages will help pay for your losses whether or not you caused the loss. Insurers may choose the people they wish to insure. They may not refuse to insure you based on race, color, creed, national origin, or ancestry. If you are turned down by one company, check with others. Insurers have different underwriting criteria and standards. Some specialize in low-risk (preferred) drivers while other companies specialize in high-risk (non-standard) drivers. The premiums charged will vary accordingly.

Types of Car Insurance

Auto insurance can seem confusing. But once you understand the different types of coverages that make up your policy, it’s not hard at all.

Fault or No-Fault - Depends on state law.
Collision - Pays damages to your own vehicle.
Comprehensive - Pays for losses from fire, theft, storm, etc.
Deductible - The amount of a covered loss you agree to pay.
Bodily Injury - Pays for injury to others when you are at fault.
Property Damage - Pays for property damage when you are at fault.
Medical Payments- Pays for your own or your passenger's medical expenses.
Personal Injury Protection - In no-fault states, this covers a broad assortment of medical expenses.
Uninsured/Underinsured Motorist - Coverage for you if other driver is not insured or is underinsured.