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Car Insurance

Is auto insurance coverage mandatory?
Auto insurance requirements vary from state to state. If you're financing a car, your lender may also have its own requirements. Nearly every state requires car owners to carry:

Bodily injury liability
Which covers costs associated with injuries or death that you or another driver causes while driving your car.

Property damage liability
which reimburses others for damage that you or another driver operating your car causes to another vehicle or other property, such as a fence, building or utility pole.

Medical payments or personal injury protection (PIP)
which provides reimbursement for medical expenses for injuries to you or your passengers. It will also cover lost wages and other related expenses.

Uninsured motorist coverage
reimburses you when an accident is caused by a driver who does not have auto insurance—or in the case of a hit-and-run. You can also purchase under insured motorist coverage, which will cover costs when another driver lacks adequate coverage to pay the costs of a serious accident.

Question: What Is Collision Insurance Coverage?

Answer:

If you hit another car or object, get hit by another car or object, or your car rolls over, collision coverage will help cover damage to your vehicle, up to the policy limit.

The maximum collision coverage payout is the actual cash value of your vehicle, minus the deductible amount you choose. Be sure to choose a deductible with an out-of-pocket expense you can afford.

You must have comprehensive coverage to purchase this protection. Collision coverage limits and deductibles may vary by state, and is generally required if you have a loan or lease on your vehicle. Otherwise, coverage and limits are optional.

Question: What Is Comprehensive Coverage?

Answer:

If your car is stolen or damaged by something other than a collision, comprehensive coverage can help pay for covered losses, such as:

Theft
Fire
Vandalism
Severe weather events (Windstorm, Hail, Flood)
Animal impact
The maximum comprehensive coverage payout is the actual cash value of your vehicle minus the deductible amount you choose.

Comprehensive coverage limits and deductibles may vary by state, and is generally required if you have a loan or lease on your vehicle. Otherwise, coverage and limits are optional.