The Information You Need to Know About Your Auto Insurance

Christopher Cooney
September 24, 2009

Christopher Cooney
http://www.newezinearticles.com

So you have a car and you know that you are supposed to get auto insurance. You may not understand why, but if nothing else, you know that in order to operate your car anywhere in the nation you need to have liability auto insurance. So let's talk about why you need it, what your basic policies are, and then what else you can get alongside with your regular policy.

First of all, the major reason you need the auto insurance is because it is a legal requirement. On top of this, though, it benefits you by stopping you from paying thousands of dollars to deal with an accident that auto insurance could have helped you with. If its theft, vandalism or an accident, having auto insurance will help you out immensely.

What is the basic coverage, you may ask. For the most part, basic coverage for your insurance will include two different aspects of liability coverage. Liability coverage has two parts, and, sensibly, they involve property damage and bodily injury. With property damage, your car repairs or replacement costs of other cars damaged in an accident will be covered through your auto insurance. Bodily injury liability helps quite a bit because it will cover the medical expense of anyone injured in an accident from the other party. And everyone knows how expensive medical bills can be.

Now that you know what the minimum coverage you can get from an insurance policy is, it helps to know what additional coverages you may and, if you can afford it, probably should get for your auto insurance. Many of these coverages help to cover you when you are in the accident. Instead of just covering the other party, you can also get coverage for your own vehicle and your own body. Most notably, collision coverage will actually pay for your own car's repairs or replacement costs when it happens to be in an accident.

Next comes personal injury protection or medical payments coverage, which will make sure it can cover your own medical expenses for both you and the people in your vehicle. Also, the other people who are on your policy, even if they are in a different car, can be covered from personal injuries. Along the same lines as personal injury and collision coverage, under-insured or uninsured motorist insurance coverage will help you if the actual driver of the other vehicle has little or no auto insurance. Finally, the last kind of additional coverage you could look to get is comprehensive auto insurance coverage, which will help you with much more than just an accident. This will insure your car against additional problems, such as vandalism, theft, floods or fires.

Many people wonder how expensive your premium is going to be and that will depend on a lot of different factors, and the best way to find out is to start looking online for policies, or talk with an independent insurance agent.

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