Auto Insurance

Auto Insurance

Auto insurance is insurance coverage for a personal vehicle. It is mandatory in most states to have insurance coverage in order to legally operate a vehicle. Coverage keeps the policyholder financially protected in the case of an accident. Coverage can be simple liability or can include damage to the vehicle, damage to any property and injuries that a person in the accident might incur.


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Who Needs It?

This insurance is for anyone who owns a car. Keep in mind that traditional auto insurance is for personal vehicles. People who own commercial vehicles need to purchase commercial auto insurance.

The Specifics

Your insurance company pays a lump sum of cash to cover medical expenses, property damage, and damage to the car after you file a valid claim. The insurance company will verify your claim before releasing any funds. As long as your claim is considered legit by the insurance company, then they will honor the agreement.

You can get different types of coverage. You might want liability only, which is the most basic type of coverage available. Then you might decide you want more comprehensive coverage. There is coverage for damage from collisions, coverage for damage from an uninsured or underinsured driver, and much more.


Car accidents can cost a lot of money. In addition, you might find yourself facing a lawsuit following an accident. Auto insurance is usually mandatory, but even when it’s not it’s a good idea to have coverage. Without coverage, you could face financial ruin following an accident.