Automobile Insurance

What is auto insurance?

An auto insurance policy is a contract between you and an insurance company. You pay a premium, and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy.

Why do I need auto insurance?

In most states, to drive (get license plates) you must carry liability coverage to pay for losses you cause others; and coverage for vehicle damage of your own car is usually necessary if you are financing your car.

Without auto insurance, you risk paying for the full cost of:

• Any harm you cause others
• Repairing or replacing your car if it's damaged or stolen
• Bodily injuries to yourself or others
• Lost wages due to injury
• Benefits to survivors when an accident results in death
• Lawsuits brought against you as the result of an accident
• Repairs made to your auto due to damage caused in an accident