PERSONAL AUTO INSURANCE

Personal Auto Insurance

The primary purpose of auto insurance is to protect against losses resulting from accidents and accident liability. In many cases, drivers must have personal auto insurance in order to use a vehicle on public roads.

Auto insurance policies vary, but most offer coverage over three broad categories, including property, liability, and medical coverage. Minimum coverage differs from state to state, but drivers are required to buy at least some types of coverages.

Property coverage will pay or help pay for losses incurred from damage to or theft of the insurance owner’s vehicle. This can include repair, replacement, and/or temporary rental car costs. Liability coverage will pay or help pay for legal costs to others involved in the insurance owner’s accidents. This can include property damage and medical coverage costs to others that the insurance owner may be legally responsible for if they are found at-fault for the accident.

Medical coverage will pay or help pay for the insurance owner's medical bills in the event of a vehicular injury. This can include the cost of treating injuries, rehabilitation, lost wages, and/or funeral expenses.

Auto insurance becomes very important in times of accidents. And as we all know auto accidents come at unexpected times