Auto Insurance

Main Types of Auto Insurance Coverage:

  1. Liability Coverage (required by law):
    • Bodily Injury Liability: Pays for injuries to other people if you’re at fault.
    • Property Damage Liability: Pays for damage to someone else’s car or property.
  2. Collision Coverage:
    • Pays for damage to your own car if you hit another vehicle or object.
  3. Comprehensive Coverage:
    • Covers non-collision events like theft, fire, hail, vandalism, or hitting an animal.
  4. Personal Injury Protection (PIP) or Medical Payments:
    • Covers medical bills for you and your passengers after an accident, no matter who’s at fault.
  5. Uninsured/Underinsured Motorist Coverage:
    • Helps if you’re hit by someone with no insurance or not enough insurance.

Why It’s Important:

  • Legal Requirement: Most states or countries require you to have at least liability insurance to drive legally.
  • Financial Protection: Accidents can be expensive — insurance helps cover costs.
  • Peace of Mind: Knowing you’re protected reduces stress when something goes wrong.

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