Automobile insurance protects you and your insured drivers financially if an accident or theft occur.  Auto policies provide coverage to all named insured, or every driver listed for each vehicle, such as a spouse or children, or anyone who has permission from the insurance holder to operate the vehicle.  Below are 6 common vehicle coverage options and what they cover:

Auto Liability Coverage – Most states require auto liability coverage and set minimum coverage amounts.  This protects you from damages incurred in an accident such as injuring someone or damaging another vehicle or personal property.

Medical Coverage – Helps cover medical expenses for anyone injured while in the insured car, and protects you and named insured if injured in a car accident.

Uninsured Motorist Coverage – this helps cover costs of injuries incurred by another driver who does not have bodily injury liability coverage.

Underinsured Motorist Coverage – This helps cover costs of injuries incurred by another driver who does not have enough bodily injury coverage.

Collision Coverage – Helps cover the cost of damage incurred by accident from a collision, no matter who is at fault.

Comprehensive Coverage – This covers any accidental damages or loss with your vehicle due to several things including but not limited to, natural disasters, civil commotion, vandalism, falling objects, glass breakage, fire, and theft.

Federal law requires ALL drivers to maintain up-to-date car insurance, making it a good reason to have car insurance.  You also need car insurance to protect you, your car, and your insured drivers from unforeseen events on the road – remember that you can only control YOUR vehicle on the road, so it’s a good idea to have something to help with the things you cannot control on the road.