Auto Insurance Helps Protect Your Family
No matter what kind of vehicle you drive, a car, truck, SUV, or minivan, it is something that your family relies on. The privilege of driving comes with great responsibility. You can protect your family by practicing safe driving habits, and following the rules of the road. Auto insurance can provide you, and your family, with financial protection in case your vehicle is involved in an accident.
Your vehicle is what transports you to work, so that you can make the income you need to support your family. Your vehicle helps you take your kids to school, and helps you pick them up after school is over. It makes picking up the groceries that feed your family a whole lot easier.
It is easy to see how much more difficult your life would be if you no longer had your vehicle, or if your vehicle became damaged. Auto insurance can step in, and help you out, in case something happens. Without it, you will have no option other than to pay for the cost of repairs entirely out of your own pocket. This can often prove to be more expensive than your family can afford.
A typical auto insurance policy is made up of many parts. These parts include: bodily injury liability, property damage liability, comprehensive coverage and collision coverage. Your policy may also include parts that protect you in case your vehicle is involved in an accident with an uninsured, or under-insured, motorist.
Bodily injury liability covers the cost of medical care that is required by a person who becomes injured in a car accident that you are responsible for. It also covers replacement of their lost income due to the injury. Bodily injury liability also provides you with legal defense if that person decides to sue you. This part of your car insurance does not cover injuries that you, or your family, receive in an accident.
Property damage liability covers the cost of repair or replacement of the property that your vehicle causes damage to. It covers the damage to the other vehicles involved in the accident. It also covers the cost of repairing or replacing the damage you caused to someone else's house, yard, fence, garage, or other property. Property damage liability also helps you with legal defense in case someone decides to sue you for damaging their vehicle or their property. It does not cover the cost of repairing damage to your own vehicle or property.
Comprehensive coverage protects you in case your vehicle is damaged by flood, fire, or animals. If your vehicle is stolen, and becomes damaged as a result, this is covered as well. Collision coverage is the part that protects your vehicle when it is hit by another vehicle or object. It pays to fix the damage that was caused under these circumstances.
Many states require all drivers to purchase auto insurance. This does not mean that you can automatically trust that everyone did, in fact, actually purchase it. Some people won't. Other people will purchase the least amount of car insurance they can legally get away with.
To protect yourself, and your family, your car insurance should include uninsured motorist bodily injury, and under-insured motorist bodily injury. If your vehicle is involved in an accident, which was caused by the other driver, it is that person's responsibility to cover the cost of damages. If they cannot, then your car insurance can step in and help you cover those costs.