Auto Insurance: Frequent Questions Answered

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What auto insurance do I really have to have?
At a very minimum, in most states you are required to have liability insurance. This pays for damage to another vehicle if an accident is your fault. It does not pay for any damage to your own vehicle. It does, however, prevent you from being held personally responsible for damage to another vehicle.

If your car is paid for, you are not required to have collision which pays for damage to your own vehicle. However, if you have a loan on the vehicle, you will be required to maintain collision. Otherwise the loan company is at risk of losing their money if you have an accident resulting in a total loss.

How do I find my best coverage with the most affordable rates?
By using our free service, you can now request multiple, no-obligation comparison quotes—available for nearly all states, coast to coast.

What is property damage coverage?
Property damage coverage replaces automobiles and other property you damage—such as a guard rail, for instance—in an accident. Most states require $5000 to $10,000 worth of coverage.

What is the difference between bodily injury coverage and personal injury protection?
Bodily injury coverage pays for injury to another person, but does not pay for your own injury or death. This coverage protects you against lawsuits filed against you if you are responsible for the accident. Personal injury protection pays the hospital, medical and funeral expenses for you, your passengers and/or any pedestrians that you hit. Some policies even cover rehabilitation and lost income.

What is comprehensive coverage?
This pays for the cost of repair if you should hit a deer or other animal or if your car should be stolen or vandalized. Such accidents are not considered your fault, so filing a claim under comprehensive coverage does not raise your rate. Along with comprehensive coverage, it's a good idea to include full glass and towing. Thus if a rock hits your windshield, you can have the glass repaired without paying a deductible first. Towing is usually limited to a certain number of miles, and you may have to pay the garage, but the money—up to the specified limit—will be reimbursed by the insurance company.

Can the company cancel my policy if I have an accident?
No, they cannot cancel an existing policy if it has been in force at least two months and you have paid your premium. However, auto insurance is not guaranteed renewable. If you have had excessive claims, the company can choose not to renew the policy.

What is uninsured motorist coverage?
In spite of the fact that all states require drivers to carry auto insurance, some drivers either have no insurance or have too little. These could be foreign visitors, illegal aliens, people who have lost their license or insurance for some infraction, or people who choose to drive but could not pay the premium to keep their auto insurance in force. If you are hit by a driver who has no insurance, your own insurance company will pay for your damages under this coverage.
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