Why do you need auto insurance?
Auto insurance protects you against financial loss if you have an accident. You pay a premium and the insurance company agrees to pay your losses.
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If you're in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
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If you or any passengers are injured in an accident, medical costs can be extremely expensive.
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If you or your car is responsible for damage or injury to others, you may be sued for much more than you're worth.
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Three Types
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Property Covers Damage or Theft.
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Liability Pays for Injury or Damage If Another Party is Involved.
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Medical Covers Injuries, Rehab, Lost Wages, and/or Funeral Expenses.
Questions to ask your agent
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How much can you afford to pay if you get in an accident?
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What discounts are available? Do you have good driver, multiple policy, or student discounts?
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What is the process for filing and settling a claim? Who do I call?
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What happens after I file a claim?