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Car Insurance

Automobile insurance policies very from state to state. They consist of a package of different coverage elements which together form your policy. Most states require you to carry automobile insurance, at least liability coverage on your auto. (This is to protect the other guy not you.) If you intend to protect your auto, assets or personal property against loss it would be advisable to purchase more than just the minimum liability coverage. Given to high cost of replacing a automobile today, collision and comprehensive coverage are included in most automobile insurance policies.

What is covered in an car insurance policy?

The auto policy can (but does not have to) include coverage for up to six distinct risks, each of which is priced separately. They are:

  • Bodily injury liability, for injuries the policyholder causes to someone else.

  • Medical, or in some states, Personal Injury Protection (PIP) for treatment of injuries to the driver and passengers of the policyholder's car. At its broadest, PIP can cover medical payments, lost wages and the cost of replacing services normally performed by someone injured in an auto accident.
  • Property damage liability, for damage the policyholder caused to someone else's property.
  • Collision, for damage to the policyholder's car from a collision.
  • Comprehensive, for damage to the policyholder's car that doesn't involve a collision with another car. Covered risks include fire, theft, falling objects, missiles, explosion, earthquake, flood, riot and civil commotion.
  • Uninsured motorists coverage, for treatment of the policyholder's injuries as a result of collision with an uninsured driver. No state requires car owners to carry insurance for all these risks. But many states require drivers to carry minimum amount of liability insurance for bodily injury and property damage, as well as personal injury protection coverage.

Save Money on Your Auto Insurance
What Can You Do?

Add-on Elements

      • Rental Car Coverage

      • Towing Coverage
      • Auto Replacement

For more information and rates on car insurance quotes visit our Auto Insurance Specialist Site.

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