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What is Auto Insurance?

Insuring your car will protect you from financial loss if you are ever involved in an auto accident. An auto insurance policy is essentially an agreement between yourself and your insurer that provides you with property, liability and medical coverage.

Although many people opt for minimum liability coverage, an auto policy may insure any of the following protections:

Bodily Injury Liability

Bodily injury liability covers the designated driver or policy holder if they are injured in an auto accident or if they cause injury to others. If you have family members listed on your policy, they are also covered if driving another person’s vehicle with their permission. If you opt for the minimum liability coverage, the amount you purchase may not completely cover you if you are involved in a serious accident or are served with a lawsuit. Buying more than the state required minimum will protect your assets - your home, boat, and savings- if you get into an accident.