Insurance Types > Auto Insurance
Auto Insurance
Why do I need auto insurance?
People need auto insurance to protect their investment in their automobile. Auto insurance helps manage expenses like accidents, theft and vandalism. It also makes you financial responsible to the bank or institutaion lending money to you to purchase your vehicle.
The safety of people inside and outside of your vehicle is also your repsoniblity when you are behind the wheel. Insurance helps you cover potential injuries or damanges.
State law also requires you to have insurance before regestring your car.
What are the different types of auto insurance?
General Liability: covers damage to other peoples property or injuries to others.
- Collision: covers damage to your own vehicle in an accident.
- Comprehensive: (i.e., fire, theft and other non-collision damage) covers fire damage to your vehicle, break-ins, vandalism or theft, as well as natural disasters (earthquake, hail, hurricane, flood, etc.--unless the vehicle is overturned, then it is considered a collision).
- Medical payments: insurance, usually in the range of $5,000 to $10,000, covers medical expenses for injuries. This "good-faith" coverage guarantees immediate medical payments for you, your passengers and other parties, regardless of who is at fault. It also covers you and members of your household in any accident involving an automobile, whether you are on foot, on a bicycle, in a friend's car, etc.
- Uninsured motorist (UM) and underinsured motorist (UIM): coverage protects you if you are injured in an accident with others who themselves carry insufficient or no liability insurance.
- Extra coverages: include expenses for towing, labor, temporary replacement vehicles, etc. These are generally defined as add-ons or endorsements to your policy.
View Our Consumers Guide To Auto Insurance.
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