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Introduction to Car Insurance

The 411

Virtually everyone who owns and operates a motor vehicle will need to purchase a certain amount of auto insurance coverage to protect both themselves and other drivers and pedestrians should an accident occur. It is also mandated by law in all states and is a requisite step in getting a loan from for your car from lending institutions.

The Types of Coverage

Insurance for cars will vary, from the minimal coverage the state requires to full coverage with all the bells and whistles. A certain level of liability coverage is what states will usually demand. The liability component of your coverage is what compensates for damages to other vehicles and property. This would be damages for which you are at fault. Collision insurance pays out for the damage to your own vehicle from a accident, while comprehensive coverage assists with various kinds of damage that are the consequence of anything other than an accident, like weather events, vandalism or theft.

Who Benefits

All who drive a motor vehicle are required to carry liability coverage as a bare minimum. Again, should you have taken out a loan on your vehicle, your lender will also need you to have collision and comprehensive coverage as well. It's a no-brainer for most to realize the importance of carrying full and proper coverage on a newer car, even if it is fully paid for. A car is a relatively big investment for most and it simply makes sense to take care of said investment.

How it Works

Should you an accident befall you, then you contact your insurance provider ASAP to file a claim. If you’re the one who is determined to be at fault, your insurance company will pay out for the damages for which you are covered in your policy. This is, of course, after you have paid your previously agreed upon deductible and that you have also paid your premium payments. If the other driver is deemed at fault, then his or her insurance company will compensate you. Keep in mind the importance of exchanging information with the other driver(s), getting all the witnesses that you can, taking photographs for evidence, etc. (Anything that can help your case should you end up in court.)

The benefits

This coverage helps to keep you from being personally responsible for potentially devastating out-of-pocket expenses. Basically there are two big benefits in obtaining good car insurance. First is the coverage for any loss you might be the victim of and then there is the invaluable liability protection it offers you in case of a crash you cause and any potential legal action as a result. In carrying proper insurance coverage, you can rest assured that you will be properly compensated for damage to property (including your vehicle) and, should you be the one deemed at fault, that you will have the ability to pay for damages to another's car and any additional property damage resulting from the accident.


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