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What is Auto Insurance?

An auto insurance policy is a contract between you and an insurance company. You pay a premium, and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy.

Why do I need it?


In some states in order to drive legally and get license plates you must carry liability coverage to pay losses you owe others or No Fault coverage to pay you and your passengers for medical and related expenses due to injury. In some states both forms are required.

Even in states where coverage isn’t required, drivers must, by law, be able to pay for losses they may cause others. Having insurance is the simplest way for most people to comply. Coverage for vehicle damage usually is necessary to finance a car.

Without insurance, you risk paying for the full cost of any harm you cause others or the repair or replacement costs if your car is damaged or stolen.

 

Have additional questions on Auto Insurance? Contact Us.

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