Auto insurance is a type of insurance that protects you financially from the repercussions of vehicular accidents. Its primary function is to offer financial coverage against bodily injury or damage resulting from road accidents and also against liability which can also arise in a car accident. The amount that you will be required to pay for auto insurance depends on your personal driving record as well as on the type of auto insurance you buy. Most states insist that drivers must have minimum insurance requirements. These can range from being very basic to cover only accidents and other property damage and bodily injury, to being very comprehensive to protect you against virtually any kind of liability.

You need to know all about auto insurance before deciding on which company to buy it from. This is important because the coverage offered by different companies is different. There is also variation in what the insurer will charge for a specific accident or claim. So, in order to make sure that you have the best coverage for the lowest premium, it makes sense to understand auto insurance in general. Some basics are to understand what the insurer is covered for in an accident and how the process for settling claims works.

There are three major types of auto insurance coverage. They are bodily injury liability, property damage liability, and liability for the insured for damages to his or her own vehicle. Blemishes and damage that do not arise due to negligence are not covered by bodily injury liability. Property damage liability is the second most common type of auto insurance coverage. This covers costs associated with damage to other people or property and almost every state requires car owners to carry this coverage.

In many states, liability for damages is not a prerequisite for an auto insurance policy purchase. Some states require that drivers carry at least bodily injury coverage. If you purchase no-fault coverage, you can be held liable for any injuries caused by the other party but you will not be held liable for the other person’s pain and suffering. If the other person’s car is damaged or wrecked as a result of your negligence, you may be responsible for the deductible. Liability for the insured’s damages must be purchased separately from the auto insurance policy in order to avoid double coverage.

The next type of auto insurance policy is the uninsured motorist coverage. This coverage compensates you for any injury or death that occurs through the negligence of another driver. It also covers medical and funeral costs that are caused by accidents with uninsured motorists. In order to have this coverage you must have an insurance certificate or a car insurance card. If you have neither, you must purchase uninsured motorist coverage on your own.

The third type of insurance policy that you need to purchase is the personal injury protection. It covers you for property damage or bodily injury that you sustain due to the negligence of another person or their car or vehicle. For example, if you are driving along and someone else causes you to crash into a tree, you will need to obtain liability insurance in order to be covered by your auto policy. The amount that this policy will pay out will depend on the extent of your injuries. Also, your auto policy will cover you and another driver s car or vehicle if you are driving in a state that does not legally require liability coverage, for example, you are driving in Washington but you are paying for medical bills in Alaska.

The fourth type of coverage is collision coverage. This coverage pays out to repair shops or to the auto insurer if your car is damaged by an accident. This coverage will not pay to repair your own car if it is damaged in an accident, but it will cover repairs to another vehicle that you are responsible for damaging. In order to determine whether your auto insurance company agrees to pay you this amount, your auto insurance company will ask you a few questions. The questions involved are the amount of your deductible and how many months or years you plan to drive with this company before you might no longer be able to drive.

Lastly, one of the auto policies include no-deductible glass coverage. This type of coverage will pay for replacement or repair of your windshield if it is damaged as a result of an accident or vandalism. Again, you should check with your auto insurance company before purchasing this coverage so that they know what they are providing you. If you need to buy supplemental glass coverage, you will be required to buy these products from the same auto insurance company. The other auto policies include all of these types of coverage for you.