Auto Insurance
What It Is
Auto insurance provides financial protection if you’re involved in a car accident, your vehicle is damaged, or you’re held responsible for injuries or property damage. It’s required by law in most states and helps cover expenses that could otherwise be overwhelming.
Why It Matters
Protects you from high repair or medical costs
Required to legally drive in most states
Offers peace of mind every time you’re on the road
What It Covers
Standard Coverage Options:
Liability: Covers injuries or property damage you cause to others.
Collision: Pays for repairs to your vehicle after an accident.
Comprehensive: Covers damage from non-collision events (theft, fire, storms, vandalism, animals).
Medical Payments / Personal Injury Protection (PIP): Helps with medical expenses for you and passengers.
Uninsured/Underinsured Motorist: Protects you if another driver doesn’t have enough (or any) insurance.
Optional Add-Ons:
Roadside assistance
Rental car reimbursement
Gap insurance (covers the difference if your car is totaled and you owe more than its value)
What’s Not Covered:
Regular maintenance (oil changes, tires, brakes)
Wear and tear
Personal items stolen from the vehicle (may be covered by homeowners/renters insurance)
Cost Factors
Your premium depends on:
Driving record and claims history
Vehicle type, age, and safety features
Location and average mileage
Coverage limits and deductibles chosen
Key Takeaway
Auto insurance isn’t just a legal requirement — it’s your safeguard against unexpected costs. With the right policy, you’ll be covered whether it’s a minor fender bender or a major accident.