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Auto Insurance
What is auto insurance?
Auto insurance is financial protection that covers you in case of accidents, theft, damage to your vehicle or others, and personal injuries. It’s required by law in most U.S. states and protects you, your car, and third parties involved.
What can an auto policy cover?
Policies can be customized based on your needs, but these are the most common types of coverage:
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Liability Coverage
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Bodily Injury: Covers injuries you cause to others in an accident.
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Property Damage: Covers damages you cause to someone else’s property (like their vehicle or a building).
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Collision Coverage
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Covers damage to your car if you collide with another vehicle or object, regardless of who was at fault.
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Comprehensive Coverage
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Protects against theft, vandalism, fire, falling objects, weather-related damage (like hail), and more.
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Uninsured/Underinsured Motorist Coverage
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Protects you if you’re hit by someone with no insurance or not enough coverage.
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Medical Payments / Personal Injury Protection (PIP)
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Helps pay medical expenses for you and your passengers, no matter who caused the accident.
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Roadside Assistance
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Covers services like towing, flat tire changes, battery jump-starts, fuel delivery, and more.
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Frequently Asked Questions
Is auto insurance required by law?
Yes. Most states require drivers to carry at least liability coverage.
How much does auto insurance cost?
It depends on several factors: your driving record, type of vehicle, age, location, and coverage levels.
What happens if I get into an accident and don’t have insurance?
You could face fines, license suspension, and have to pay all damages out of pocket.
Can I add other drivers to my policy?
Yes. You can add family members or anyone who regularly drives your vehicle.
What deductible should I choose?
Your deductible is what you pay out of pocket before the insurance pays the rest. A higher deductible usually means lower premiums, but more out-of-pocket cost if you file a claim.
