Auto Insurance

Auto insurance is a contract between you and the insurance company that protects you against financial loss in the event of an accident or theft. Policies can include various types of coverage, such as liability, collision, comprehensive, uninsured motorist protection, and more.

The right coverage depends on factors like the value of your vehicle, your driving habits, and your financial situation. Liability coverage is mandatory in most states, but you may also want additional coverage like collision or comprehensive.

Liability insurance covers damages and injuries you cause to others in an accident. It typically includes bodily injury liability and property damage liability.

Collision coverage pays for damage to your vehicle from a collision, regardless of who is at fault. Comprehensive coverage pays for non-collision-related damage to your vehicle, such as theft, vandalism, or natural disasters.

Premiums are based on factors including your age, driving history, vehicle type, location, and the amount of coverage you choose. Safe driving and a good credit history can help lower your premiums.

Many insurers offer discounts for things like safe driving, multiple vehicles on one policy, anti-theft devices, and completing defensive driving courses.

Ensure everyone’s safety first, then exchange information with the other driver, take photos of the scene, and report the accident to your insurance company as soon as possible.

A deductible is the amount you pay out of pocket before your insurance covers the remaining costs of a claim. A higher deductible usually means a lower premium, and vice versa.

Many auto insurance policies extend coverage to rental cars, but it’s best to check with your insurer. You may need additional coverage from the rental company.

Contact your insurance company immediately after an accident. Provide all necessary information and documentation to process your claim efficiently.